Systems and methods for foreign currency exchange and transfer

ABSTRACT

Systems and methods relating to currency exchange and currency transfer are provided. A computer-implemented method includes receiving, by a provider computing system associated with an accounts provider, a customer request via a mobile wallet application on a mobile device associated with a customer. The customer request includes a currency transfer request from a mobile wallet held by the customer to a recipient. The method further includes identifying the recipient from the customer request and a partner accounts provider associated with the recipient, communicating with the partner accounts provider regarding the currency transfer, transferring an amount for the currency transfer from the mobile wallet to the partner accounts provider via an omnibus account held by the accounts provider on a distributed ledger, and transmitting a confirmation of the currency transfer to the customer.

CROSS-REFERENCE TO RELATED APPLICATION

This application claims priority to U.S. Provisional Patent ApplicationNo. 62/748,452 entitled “SYSTEMS AND METHODS FOR FOREIGN CURRENCYEXCHANGE AND TRANSFER,” filed Oct. 20, 2018, and incorporated herein byreference in its entirety. This application is also related to U.S.patent application Ser. No. 16/413,358, entitled “SYSTEMS AND METHODSFOR CROSS-BORDER PAYMENTS VIA DISTRIBUTED LEDGER-BASED PAYMENT RAIL,”filed May 5, 2019, which is incorporated herein by reference in itsentirety. U.S. patent application Ser. No. 16/413,358, herebyincorporated by reference, claims the benefit of U.S. Provisional PatentApplication No. 62/748,455, entitled “SYSTEMS AND METHODS FORCROSS-BORDER PAYMENTS VIA DISTRIBUTED LEDGER-BASED PAYMENT RAIL,” filedOct. 20, 2018, and which is also incorporated herein by reference in itsentirety.

TECHNICAL FIELD

Embodiments of the present disclosure relate generally to the field ofmobile wallets.

BACKGROUND

Payments for products and services are often completed using creditcards, debit cards, checks, and/or cash. At the same time, most peoplecarry some type of mobile device. Electronic-based transactions may becarried out using a mobile device. For example, mobile device users maypurchase goods and services through payment applications atpoint-of-sale terminals.

Additionally, exchanging currency often requires a customer to visit aphysical branch of a financial institution, where the customer mustinteract with a foreign currency teller in order to exchange thecurrency. Similarly, in order to make payments in a foreign currency ora currency transfer to a foreign account, a customer may need to visitthe physical branch or access an online banking portal and fill out awire transfer form. Both of these processes may be time-consuming andrequire the customer to pay fees associated with currency exchangeand/or currency transfer.

SUMMARY

One embodiment relates to a computer-implemented method. The methodincludes receiving, by a provider computing system associated with anaccounts provider, a customer request via a mobile wallet application ona mobile device associate with a customer. The customer request includesa request for a currency transfer from a mobile wallet held by thecustomer to a recipient. The method also includes identifying, by theprovider computing system, the recipient of the currency transfer fromthe customer request and a partner accounts provider associated with therecipient and communicating, by the provider computing system, with thepartner accounts provider regarding the currency transfer. The methodfurther includes transferring, by the provider computing system, anamount for the currency transfer from the mobile wallet to the partneraccounts provider via an omnibus account held by the accounts provideron the distributed ledger and transmitting, by the provider computingsystem, a confirmation of the currency transfer to the customer.

Another embodiment relates to a provider computing system associatedwith an accounts provider. The provider computing system includes anetwork interface, a customer accounts database storing informationrelated to various customers of the accounts provider, and a processingcircuit. The processing circuit includes a processor and a memory. Thememory is structured to store instructions that are executable and causethe processor to receive a customer request via a mobile walletapplication on a mobile device associated with a customer. The customerrequest includes a request for a currency transfer from a mobile walletheld by the customer to a recipient. The instructions also cause theprocessor to identify the recipient of the currency transfer from thecustomer request and a partner accounts provider associated with therecipient and communicate with the partner accounts provider regardingthe currency transfer. The instructions further cause the processor totransfer an amount for the currency transfer from the mobile wallet tothe partner accounts provider via an omnibus account held by theaccounts provider on a distributed ledger and transmit a confirmation ofthe currency transfer to the customer.

Another embodiment relates to a computer-implemented method. The methodincludes receiving, by a provider computing system associated with anaccounts provider, a customer request via a mobile wallet application ona mobile device associated with a customer. The customer requestincludes a request for a currency exchange and a currency transfer froma mobile wallet held by the customer to a recipient. The method alsoincludes identifying, by the provider computing system, the recipient ofthe currency transfer from the customer request and a partner accountsprovider associated with the recipient; communicating, by the providercomputing system, with the partner accounts provider regarding thecurrency transfer; and exchanging, by the provider computing system, anamount of a first type of currency for a second type of currency. Thefirst currency amount includes funds of the mobile wallet. The methodadditionally includes transferring, by the provider computing system, anamount for the currency transfer from the mobile wallet to the partneraccounts provider via an omnibus account held by the accounts provideron a distributed ledger. The currency transfer amount includes thesecond currency amount. The method further includes transmitting, by theprovider computing system, a confirmation of the currency transfer tothe customer.

BRIEF DESCRIPTION OF THE DRAWINGS

Various objects, aspects, features, and advantages of the disclosurewill become more apparent and better understood by referring to thedetailed description taken in conjunction with the accompanyingdrawings, in which like reference characters identify correspondingelements throughout. In the drawings, like reference numbers generallyindicate identical, functionally similar, and/or structurally similarelements.

FIG. 1 is an environmental view of a system for foreign currencyexchange and transfer, according to one embodiment.

FIG. 2 is a detailed schematic diagram of a customer device of FIG. 1,according to one embodiment.

FIG. 3 is a detailed schematic diagram of a provider computing system ofFIG. 1, according to one embodiment.

FIG. 4 is a block diagram depicting a currency exchange, according toone embodiment.

FIG. 5 is a block diagram depicting a currency exchange, according toanother embodiment.

FIG. 6 is a detailed schematic diagram of a partner provider computingsystem of FIG. 1, according to one embodiment.

FIG. 7 is a detailed schematic diagram of an issuer computing system ofFIG. 1, according to one embodiment.

FIG. 8 is a detailed schematic diagram of a distributed ledger computingsystem of FIG. 1, according to one embodiment.

FIG. 9 is a detailed schematic diagram of a notary computing system ofFIG. 1, according to one embodiment.

FIG. 10 is a detailed schematic diagram of a recipient device of FIG. 1,according to one embodiment.

FIG. 11 is a flow diagram showing a process of exchanging currency,according to one embodiment.

FIG. 12 is a flow diagram showing a process of transferring currency,according to one embodiment.

FIG. 13 is a flow diagram showing a process of receiving a currencytransfer, according to one embodiment.

FIGS. 14-16 are graphical user interfaces showing login screens for amobile wallet, according to various embodiments.

FIGS. 17 and 18 are graphical user interfaces describing functions of amobile wallet, according to various embodiments.

FIG. 19 is a graphical user interface showing an account screen for amobile wallet, according to one embodiment.

FIG. 20 is a graphical user interface showing a profile screen for amobile wallet, according to one embodiment.

FIGS. 21-23 are graphical user interfaces showing transaction screensfor a mobile wallet, according to various embodiments.

FIGS. 24-29 are graphical user interfaces showing account cellinformation screens for a mobile wallet, according to variousembodiments.

FIGS. 30-33 are graphical user interfaces showing currency exchangescreens for a mobile wallet, according to various embodiments.

FIGS. 34-39 are graphical user interfaces showing currency transferscreens for a mobile wallet, according to various embodiments.

FIGS. 40-44 are graphical user interfaces showing add contact screensfor a mobile wallet, according to various embodiments.

DETAILED DESCRIPTION

Referring generally to the figures, various systems, methods, andapparatuses for foreign currency exchange and transfer are describedherein. An example implementation is described as follows. A customerholds a mobile wallet with a mobile wallet provider. As described inmore detail below, a “mobile wallet” is a digital wallet provided on auser's mobile device that includes payment capabilities. The customerfunds the mobile wallet with an amount of currency (e.g., from anaccount held by the customer with the mobile wallet provider, byassociating the mobile wallet with an account held by the customer withthe mobile wallet provider). Using the mobile wallet, the customer canexchange currency in the customer's mobile wallet for a second currency.The customer can then make purchases or payments from the customer'smobile wallet using the second currency. Additionally, the customer cantransfer currency in the customer's mobile wallet to a recipient in aforeign country (e.g., with the recipient receiving the transferredcurrency in a mobile wallet held by the recipient). On the back end ofthe mobile wallet, in various embodiments, the provider facilitatescurrency transfers by using a distributed ledger as the payment rail forthe currency transfer (e.g., in lieu of using traditional nostro andvostro accounts). For example, the provider sends the currency transferfrom an omnibus account held by the provider on the distributed ledgerto an omnibus account held by a partner provider associated with therecipient of the currency transfer (e.g., the provider of a mobilewallet held by the recipient, the provider of an account held by therecipient). In some embodiments, the distributed ledger is used tosupplement traditional payment rails. As an example, the provider sendsa currency transfer to the partner provider using the distributedledger. Traditional nostro and vostro accounts are later used tofacilitate case settlement (e.g., as a deferred net settlement usingexisting rails), which requires a traditional bilateral agreementbetween the provider and the partner provider. Once the currencytransfer is performed, the currency transfer is recorded on thedistributed ledger by both the provider and the partner provider andverified by a notary to keep a record of the transfer. Alternatively,the currency transfer is verified by consensus protocol of thedistributed ledger itself with no dependency on a central entity such asa notary.

The systems, methods, and apparatuses for foreign currency exchange andtransfer described herein provide advantages over the prior art.Currently, customers must often visit branch locations of the providerand interact with a foreign currency teller to make currency exchanges.This can be inconvenient and time-consuming for the customer, and theremay be fees for the customer for exchanging currency. Additionally, theprovider must train specific foreign currency tellers to carry outcurrency exchanges. Similarly, to make currency transfers to a foreigncountry, customers must often visit branch locations or log into onlinebanking portals to fill out a wire transfer request form, which may alsobe time-consuming. Further, wire transfers typically require thecustomer to pay fees for the wire transfer service. Alternatively, thecustomer may use an automatic clearing house (“ACH”) transfer, but ACHtransfers typically take longer than wire transfers (e.g., days insteadof hours) and may not be available for transfers to banks outside of theU.S.

The present systems and methods for foreign currency exchange andtransfer allow the customer to conveniently exchange currency and carryout currency transfers using a mobile wallet provided on a mobile deviceof the customer. This saves the customer time and fees, as well as savesthe provider the expense of training foreign currency tellers.Additionally, the present systems and methods streamline currencyexchange and currency transfer actions, as described in further detailbelow, thereby increasing the efficiency of provider and partnerprovider computing systems involved in these transactions.

Additionally, in current applications and programs that allow forforeign currency transfers, the transfers typically occur throughtraditional nostro and vostro accounts (e.g., where the provider and thepartner provider hold accounts with each other or where the provider andthe partner provider hold accounts with a third party). The provider andthe partner provider communicate settlement instructions through asecure network, such as Society for Worldwide Interbank FinancialTelecommunication (“SWIFT”) or Fedwire, and the settlement of thecurrency transfer may take hours to days. Additionally, cross-bordertransfers often involve transferring funds across different time zones.This can further delay transfers because certain banks do not processtransactions outside of business hours. Further still, certaincross-border payments must traverse through several correspondent banks,each of which delays settlement and charges additional fees.

For example, using current systems and methods, the operating window forglobal U.S. dollar clearing may be 6 hours per day, 5 days per week.Moreover, certain limitations may apply to the processing of wiretransfers in specific regions, such as Europe's first external wiretransfer being processed at 11 am local time and Asia Pacific (“APAC”)never being funded in local time. This may be, for instance, due to theneed to use correspondent banks in making the transfer that may not haveoverlapping operating windows with the source bank or branch and/or thereceiving bank or branch for the transfer (i.e., there is not a point oftime during the day in which both entities are clearing transactions).Alternatively, this may be due to the source bank or branch and thereceiving bank or branch not having overlapping operating windows.

By contrast, the present systems and methods for currency transfer occurvia a distributed ledger currency rail. The distributed ledger allowseach of the provider and the partner provider to keep a record of thecurrency transfer, allowing, for example, comparison of the two recordsto verify the accuracy of the transaction. As such, the currencytransfer may occur more quickly through the present systems and methodsthan for wire transfers or for applications or programs usingtraditional nostro and vostro accounts, such as in minutes instead ofhours or days. Moreover, the distributed ledger allows both the providerand the partner provider to keep a known record of the transfer forcompliance and security purposes. Additionally, the actions involved inthe currency transfer according to the present systems and methods maybe automated (e.g., through smart contracts), thereby increasing theefficiency of human labor and computing systems involved in currencytransfers and freeing bandwidth and processing capabilities of thesecomputing systems for other actions. Currency transfers according to thepresent systems and methods may also save accounts providers feesrelated to using SWIFT messages and correspondent banks, and thedistributed ledger rail itself may require minimal cost to operate andmaintain. Moreover, the distributed ledger payment rail system isoperable with existing payment rails and accounting methodology and maytherefore require minimal effort to be implemented with existingsystems.

The present systems and methods may also widen the window for globalU.S. dollar clearing (e.g., due to the elimination of correspondentbanks). As an example, the window may be widened to 24 hours per day ornearly 24 hours per day, 5 days per week, such as more than 18 hours,more than 19 hours, 20 hours, more than 20 hours, 22.5 hours, 18-23hours, 20-23 hours, and so on per day, 5 days per week. Similarly, thepresent systems and methods may allow clients to transfer funds inregion hours, such as allowing transfers of funds in Europe and APAC inregion hours. In turn, this may, for example, alleviate client billingproblems for book transfers related to the use of external channels. Forexample, this may allow the customer to make direct real-time transfersfrom one country to another due to the expanded window for clearing,where a direct real-time transfer would not otherwise be possible due tothe limited operating window at the source, correspondent, and/orreceiving bank or branch.

Further still, in current systems, settlement and reconciliation may beproblematic with cross-border payment systems. Each entity in existingcross-border transfer systems maintains its own general ledger andaccounting system for managing customer accounts. Because no two bankscan agree on a transaction based on their own ledger, SWIFT came intobeing to guarantee and confirm message transmission. Reconciliation canalso be problematic if the payment messages contain errors or omissions.Unreconciled or unconfirmed payment messages can require substantialhuman effort to manually fix problematic payment messages.

However, in the systems and methods described herein, the distributedledger payment rail provides a single record of transactions that isdistributed amongst nodes. This eliminates the need for reconciliationbecause transactions are finalized when cash states exchange ownership.Thus, finality is reached more quickly than with traditional paymentrails. Moreover, using a single ledger avoids a batch reconciliationprocess, thus saving resources. Additionally, use of an independentthird-party issuer as described in further detail below may ease theburden of foreign regulatory compliance, as any given country has acleaner “line-of-sight” to the underlying assets, which are all held byan independent third-party account.

Referring now to FIG. 1, a system 100 for foreign currency exchange andtransfer is shown, according to an example embodiment. The system 100includes a customer device 102, a provider computing system 104, apartner provider computing system 106, an issuer computing system 108,one or more distributed ledger computing systems 110, a notary computingsystem 112, and a recipient device 114 connected by a secure network(e.g., network 116).

Referring now to FIG. 2, a detailed schematic diagram of the customerdevice 102 is shown, according to an example embodiment. The customerdevice 102 is associated with a customer of the provider. In variousembodiments, the provider is a provider of mobile wallet accounts, andthe customer holds a mobile wallet account with the provider.Additionally, in some embodiments, the customer holds one or moreadditional accounts with the provider, such as a checking account, asavings account, and/or a business account. In various arrangements, thecustomer device 102 is a mobile device, such a smartphone, a tablet, alaptop, a smart watch, smart glasses, and so on. Alternatively, in somearrangements, the customer device 102 is a non-mobile device, such as adesktop computer (e.g., the mobile wallet is implemented as an extensionor add-in to a web browser operating on the desktop computer). As shownin FIG. 2, the customer device 102 includes a network interface 200, aninput/output circuit 202, a display 204, and a mobile wallet application206.

The network interface 200 includes program logic and/or components thatfacilitate connection of the customer device 102 to the network 116.Accordingly, the network interface 200 supports communication betweenthe customer device 102 and other components of the system 100, such asthe provider computing system 104.

The input/output circuit 202 is structured to receive communicationsfrom and provide communications to a user of the customer device 102. Inthis regard, the input/output circuit 202 is structured to exchangedata, communications, instructions, etc. with an input/output componentof the customer device 102. Accordingly, in one embodiment, theinput/output circuit 202 may include an input/output device, such as atouchscreen, a keyboard, a microphone, or a speaker. In anotherembodiment, the input/output circuit 202 may include communicationcircuitry for facilitating the exchange of data, values, messages, andthe like between an input/output device and the components of thecustomer device 102. In yet another embodiment, the input/output circuit202 may include machine-readable media for facilitating the exchange ofinformation between the input/output device and the components of thecustomer device 102. In still another embodiment, the input/outputcircuit 202 may include any combination of hardware components (e.g., atouchscreen), communication circuitry, and machine-readable media.

The display 204 may be a screen, a touchscreen, and the like. Thecustomer device 102 may use the display 204 to communicate informationto the customer (e.g., by displaying the information to the customer onthe display 204) and/or to receive communications from the customer(e.g., through a keyboard provided on a touchscreen of the display 204).In some embodiments, the display 204 may be a component of aninput/output device, as described above.

With respect to the mobile wallet application 206, in some embodiments,the mobile wallet application 206 includes a circuit embodied within thecustomer device 102. For example, the mobile wallet application 206 mayinclude program logic stored in a system memory of the customer device102. In such arrangements, the program logic may configure a processorof the customer device 102 to perform various mobile wallet functionsdescribed below with respect to the provider computing system 104. Insome embodiments, the mobile wallet application 206 is a web-basedapplication, and many of the functionalities are provided by theprovider computing system 104. Accordingly, as will be understood, thelevel of functionality that resides on the customer device 102 versusthe provider computing system 104 will vary depending on theimplementation.

It should also be understood that the role the mobile wallet application206 takes in transactions will depend on the implementation of themobile wallet. For example, in some arrangements, the mobile wallet maybe configured in a secure element framework. In a secure elementframework, the customer device 102 includes a secure element that isseparate from the main system memory of the customer device 102 (e.g.,any element having smart card functionalities, such as a universalsubscriber identify circuit (a “SIM” card) or a secure digital card).Mobile wallet data is stored in the secure element on the customerdevice 102. As another example, in other arrangements, the mobile walletmay be configured under a host card emulation (“HCE”) framework. In anHCE framework, mobile wallet data is maintained within a cloud-basedenvironment. The cloud-based environment may enable provisioning ofusable objects, such as payment cards or stored currency, and/or mobilewallet functionalities to the mobile wallet application 206 on thecustomer device 102. In this regard, for example, payment tokensrepresenting payment cards held by the customer may be stored in thecustomer device 102 for a limited time (or a limited number of events)until they expire, and then new payment tokens may be provisioned to thecustomer device 102. In yet other arrangements, the mobile wallet isimplemented as a hybrid between a secure element framework and an HCE.All such variations are intended to fall within the scope of the presentdisclosure.

The mobile wallet application 206 is structured to enable the customerto load the customer's mobile wallet (e.g., held as part of a mobilewallet account with the provider computing system 104) with currency.For example, the mobile wallet application 206 may display userinterfaces to the customer facilitating the customer in charging apayment card, such as a debit card or a credit card, to add currency tothe customer's mobile wallet. As another example, the mobile walletapplication 206 may facilitate the customer in making a transfer from apayment account (e.g., a demand deposit account) held by the customer tothe customer's mobile wallet. Alternatively, the customer may use aweb-based application, such as an online banking portal or a mobilebanking application, to make a transfer from the customer's paymentaccount to the customer's mobile wallet. In some arrangements, thecustomer may make a transfer from an account held by the customer withthe provider computing system 104.

Once loaded with currency, the customer may make payments from thecustomer's mobile wallet using the loaded currency. As an illustration,the mobile wallet application 206 may present the customer with displaysenabling the customer to engage in transactions (e.g., person-to-personpayments, payments for goods or services at point-of-sale terminals ofmerchants, etc.). In some arrangements, the mobile wallet application206 engages in transactions through communication with, for example,merchant point-of-sale devices. In this regard, the customer device 102may include a near-field communication (“NFC”) device configured toexchange information with a merchant point-of-sale device, and themobile wallet application 206 may engage in a transaction via the NFCdevice of the customer device 102. In other arrangements, the mobilewallet application 206 engages in mobile wallet transactions through thedisplay 204. For example, the customer device 102 may display a QuickResponse Code (“QR code”) such that a third party can scan the QR codeduring a mobile wallet transaction. Additionally, in some embodiments,the mobile wallet application 206 is further structured to enable thecustomer to register tokenized versions of payment cards to thecustomer's mobile wallet and engage in transactions using the tokenizedpayment cards.

The mobile wallet application 206 is also structured to enable thecustomer to exchange the loaded currency for a second type of currency.For example, in response to receiving a request to exchange currency,the mobile wallet application 206 may display user interfaces allowingthe customer to select an available second currency for the exchange,input an amount of loaded currency that the customer would like toexchange or an amount of the second currency the customer would like toexchange the loaded currency for, and confirm the currency exchange. Themobile wallet application 206 may accordingly communicate with theprovider computing system 104 to exchange the currency, as described infurther detail with respect to the provider computing system 104 below.

Further, the mobile wallet application 206 is structured to enable thecustomer to make a currency transfer to a recipient holding a foreignaccount with a foreign account provider (e.g., a recipient holding anaccount with a provider located in a country different from the countryin which the customer holds one or more payment accounts and/or in whichthe customer's mobile wallet account is based). In some arrangements,the customer may make a currency transfer to a recipient holding ademand deposit account with a foreign demand deposit account provider.In other arrangements, the customer may make a currency transfer to arecipient holding a mobile wallet account with a foreign mobile walletaccount provider. As such, the mobile wallet application 206 may providethe customer with user interfaces facilitating the customer in makingthe currency transfer, as also described in further detail below. Forexample, the user interfaces may enable the customer to inputinformation regarding the amount of currency to send, the type ofcurrency to send, and the recipient of the currency transfer.Additionally, in some embodiments, the customer may carry out a currencyexchange and a currency transfer simultaneously (e.g., by selecting anamount of a first, loaded type of currency that the customer would liketo transfer to a recipient as a corresponding amount of a second type ofcurrency).

In some embodiments, the customer may select the recipient by performinga search via the mobile wallet application 206 using identifyinginformation associated with the recipient (e.g., an email, a phonenumber, the recipient's name and location, etc.). As such, the recipientmust also have a mobile wallet or otherwise be registered with theprovider computing system 104 before the customer can make the currencytransfer to the recipient. Alternatively, or additionally, the customermay select the recipient by providing identifying information for therecipient to the mobile wallet application 206 (e.g., via a userinterface asking for certain information about the recipient), which themobile wallet application 206 transmits to the provider computing system104. In response, the provider computing system 104 arranges for thecustomer to receive the currency transfer. For example, the providercomputing system 104 contacts the recipient using the identifyinginformation provided by the customer to set up a mobile wallet accountby which the recipient may receive the currency transfer. As anotherexample, the provider computing system 104 communicates with therecipient's account provider using the identifying information (e.g.,including personal information that identifies the recipient and therecipient's account provider) in order to arrange the currency transfer.Further, in some arrangements, the recipient may carry out averification process before the recipient may receive a currencytransfer from the customer. For example, the recipient must respond to aconfirmation email sent by the provider computing system 104 (e.g., byclicking on a link in the email), must answer a security question set upby the customer, and so on, after which the customer may select therecipient using the mobile wallet application 206.

Referring now to FIG. 3, a detailed schematic diagram of the providercomputing system 104 is shown, according to an example embodiment. Asdescribed above, the provider computing system 104 is associated withthe provider of the customer's mobile wallet account and, in someembodiments, one or more payment accounts held by the customer. Forexample, in some arrangements, the mobile wallet provider may be afinancial institution (e.g., a bank, a credit union, a credit cardcompany, etc.). In other arrangements, the provider may be a third-partymobile wallet provider. As shown in FIG. 3, the provider computingsystem 104 includes a network interface 300, a customer accountsdatabase 302, a payment circuit 304, a currency exchange circuit 306,and a currency transfer circuit 308.

In some arrangements, the customer's mobile wallet account may be aseparate payment account that may or may not be linked to anotherpayment account held by the customer. In one example, the customer'smobile wallet account may be a standalone account operable based on thecustomer loading currency to the mobile wallet account, as described infurther detail below. In another example, the customer's mobile walletaccount may be an account that may be loaded with currency and that mayalso be used to make payments from an associated payment account, suchas a checking account held by the customer with the provider.Alternatively, in other arrangements, the customer's mobile walletaccount may be the same as a payment account held by the customer. Forexample, the mobile wallet account may be a checking account held by thecustomer with the provider.

The network interface 300 includes program logic and/or components thatfacilitate connection of the provider computing system 104 to thenetwork 116. Accordingly, the network interface 300 supportscommunication between the provider computing system 104 and othercomponents of the system 100, such as the customer device 102, thepartner provider computing system 106, the issuer computing system 108,and the one or more distributed ledger computing systems 110.

The customer accounts database 302 is structured to retrievably storemobile wallet information related to various customers of the provider.For example, the customer accounts database 302 may store biographicalinformation about various customers (e.g., names, addresses, birthdays,emails, phone numbers, etc.), mobile wallet account information aboutvarious customers (e.g., account balances, account histories, etc.),template or reference access credentials for various customers for usingtheir respective mobile wallets (e.g., passwords, PINs, order numbers,biometrics, customer device 102 data, etc.), and the like. Furthermore,in some arrangements, the customer accounts database 302 is structuredto retrievably store other account information related to variouscustomers of the provider. As an example, the customer accounts database302 may store payment account information (e.g., account balances,account histories, payment card information, etc.) relating to paymentaccounts also held by customers of the provider.

The payment circuit 304 is structured to load currency to the customer'smobile wallet. As an example, the payment circuit 304 may receive arequest from the mobile wallet application 206 to load currency to thecustomer's mobile wallet using a payment card or a payment account. Thepayment circuit 304 uses the payment card or payment account information(e.g., provided by the customer via the mobile wallet application 206,saved in the customer accounts database 302) to transfer currency to thecustomer's mobile wallet using traditional payment channels (e.g., bycharging the amount of the currency the customer would like to load tothe payment card or debiting the amount of the currency from thecustomer's payment account). As another example, the payment circuit 304is configured to link a payment account held by the customer (e.g., withthe provider associated with the provider computing system, with athird-party accounts provider), such as a demand deposit account, to thecustomer's mobile wallet. Linking the customer's payment account to thecustomer's mobile wallet may, for instance, allow the customer to loadthe customer's mobile wallet with currency from the payment accountand/or directly make currency exchanges and/or transfers using funds inthe customer's payment account.

Additionally, the payment circuit 304 is further structured tofacilitate payments from the customer's mobile wallet account. Forexample, the payment circuit 304 may receive a request from the mobilewallet application 206 or from a merchant point-of-sale device to make apayment. In response, the payment circuit 304 may make a transfer to aprovider of a merchant account. As an example, the customer may make atransfer of currency that the customer has loaded to the customer'smobile wallet or a transfer of currency from a payment account that thecustomer has linked the customer's mobile wallet (e.g., both of whichmay be considered a transfer of “loaded currency”) to the merchantaccount. Additionally, if the customer is making a payment using atokenized payment card, the payment circuit 304 may detokenize thepayment card (e.g., using a token vault stored by the provider computingsystem 104 or by a third-party token provider) and use the paymentaccount associated with the tokenized payment card to make the transfer.

The currency exchange circuit 306 is structured to exchange a firstcurrency stored in the customer's mobile wallet (e.g., startingcurrency) for a second type of desired currency (e.g., desiredcurrency). In some embodiments, the currency exchange circuit 306provides a list of available currencies that the customer can exchangefor to the mobile wallet application 206. As such, the customer may, forexample, select the desired currency from a list or search for throughuser interfaces provided by the mobile wallet application 206.Additionally, the currency exchange circuit 306 is configured to providethe exchange rates for the available currencies to the mobile walletapplication 206 (e.g., the exchange rates at the time the customerselects a loaded currency for exchange, the exchange rates according toset times such that the exchange rates shown to the customer arerefreshed at those times, such as once a day or hour, etc.). Thecurrency exchange circuit 306 is also configured to receive via themobile wallet application 206 the type of loaded, starting currency thatthe customer would like to use in the exchange transaction (e.g., frommultiple types of currencies the customer has loaded to the customer'smobile wallet account), as well as the amount of starting currency thecustomer would like to use or the amount of the desired currency thecustomer would like to exchange to. In some arrangements, the customermay carry out a currency exchange using multiple types of currency. Forexample, the customer may input amounts of more than one startingcurrency to be used for the exchange (e.g., U.S. dollars and Canadiandollars) and/or input amounts of more than one desired currency to beexchanged to (e.g., pounds and Euros).

Once the currency exchange circuit 306 receives the types of currenciesand amount(s) the customer would like to exchange, the currency exchangecircuit 306 confirms the current exchange rate and conversion for thecustomer. For example, the currency exchange circuit 306 determines thecurrent exchange rate and the corresponding amounts of loaded startingcurrency or currencies that will be debited and desired currency orcurrencies that will be credited to the customer's mobile wallet. Thecurrency exchange circuit 306 also provides a certain amount of time forthe customer to confirm that the customer would make the exchange atthat rate via the mobile wallet application 206. In response toreceiving a confirmation of the exchange from the customer, the currencyexchange circuit 306 carries out the currency exchange in the customer'smobile wallet.

In some embodiments, the currency exchange circuit 306 is configured toset up a separate account (e.g., a separate payment account) for eachtype of currency that the customer holds in the customer's mobilewallet, where each account is linked to the customer's mobile wallet.For example, when the customer wants to exchange a currency held in thecustomer's mobile wallet for a new type of currency, the currencyexchange circuit 306 creates a new account for the customer (e.g., a newmobile wallet account, a new demand deposit account associated with thecustomer's mobile wallet) that the customer holds with the provider,where the new account is associated with the new type of currency. FIG.4 illustrates a block diagram depicting a currency exchange usingmultiple customer accounts, according to an example embodiment. At 350,the customer holds an account 356 in U.S. dollars. At 352, the customerhas initiated a currency exchange from dollars to Euros. As such, thecurrency exchange circuit 306 sets up a new account 358 for the customerin Euros (e.g., because this is the first time the customer has made anexchange to Euros). At 354, the customer's U.S. dollars account 356 isdebited $100.00, and the customer's Euros account 358 is credited €86.73(e.g., at an exchange rate of 0.8673). The customer may now makepayments, transfers, and/or exchanges from the Euros account 358 usingthe currency that has been received in the exchange. Accordingly, itshould be understood that the currency exchange circuit 306 may set up anew currency account for the customer for each type of currency that thecustomer wishes to receive in the exchange. The customer may thus holdmultiple currency accounts simultaneously, each of which is accessiblein the customer's mobile wallet (e.g., via the mobile wallet application206). Alternatively, in some embodiments, each type of currency may beheld in the same account of the customer and held in differentpartitions within the same account (e.g., different partitions withinthe customer's mobile wallet account, different partitions within ademand deposit account held by the customer with the provider andassociated with the mobile wallet).

In other embodiments, the currency exchange circuit 306 may provide thedesired currency to the customer without setting up multiple accountsfor the customer. As an example, rather than actually carrying out theexchange, the currency exchange circuit 306 may lock down the exchangerate for the amount of currency that the customer has selected when thecustomer confirms the currency exchange. FIG. 5 illustrates a blockdiagram depicting a currency exchange where the currency amount islocked down at the exchange rate, according to an example embodiment. At370, the customer holds an account 376 in U.S. dollars. At 372, thecustomer has initiated a currency exchange from dollars to Euros, andthe currency exchange circuit 306 accordingly creates an annotationsection 378 in the customer's U.S. dollars account 376. At 374, thecurrency exchange circuit 306 indicates in the annotation section 378that the customer has $100 to Euros locked in at a 0.8673 exchange rate.Accordingly, when the customer wants to spend or transfer Euros in thefuture from the customer's mobile wallet account, the currency exchangecircuit 306 will convert the customer's dollars to Euros at thelocked-in exchange rate (e.g., by transferring a corresponding amount ofU.S. dollars at the locked-in rate to an omnibus account held by theprovider and transferring the amount of Euros from the omnibus accountto the recipient of the payment or transfer).

Referring back to FIG. 3, the currency transfer circuit 308 isstructured to carry out a currency transfer requested by the customerusing the customer's mobile wallet. For example, the currency transfercircuit 308 receives an amount for the currency transfer and a recipientof the currency transfer from the mobile wallet application 206, whichthe customer provided via user interfaces presented to the customer bythe mobile wallet application 206. The currency transfer circuit 308identifies the recipient and the recipient's account provider to whichthe transfer is to be made, for example, using information stored aboutthe recipient in the customer accounts database 302, using informationprovided by the customer via the mobile wallet application 206, bycommunicating with the recipient using contact information provided bythe customer via the mobile wallet application 206, and so on. In somearrangements, the currency transfer circuit 308 may request additionalinformation about the recipient from the customer if the currencytransfer circuit 308 is unable to identify the recipient and/or therecipient's account provider based on initial information provided bythe customer. Once the currency transfer circuit 308 identifies therecipient and the recipient's account provider, the currency transfercircuit 308 carries out the currency transfer. In various embodiments,the currency transfer circuit 308 carries out the currency transferusing a distributed ledger currency rail, as described in further detailbelow with respect to FIG. 12. Additionally, in various arrangements,once the currency transfer has been carried out, the currency transfercircuit 308 provides a confirmation message to the customer (e.g., viathe mobile wallet application 206, by sending the customer an email ortext message confirmation, etc.).

It should be understood that, in some embodiments, the providercomputing system 104 may carry out a currency exchange and currencytransfer simultaneously (e.g., in response to the customer requestingthat an amount of a first type of currency be transferred to therecipient as a second type of currency). Additionally, it should beunderstood that, in some embodiments, the provider computing system 104may simultaneously load the customer's mobile wallet with a currency andcarry out a currency exchange and/or currency transfer. As an example,the provider computing system 104 may simultaneously load and exchangecurrency in response to the customer requesting that an amount of firstcurrency be exchanged for a second current when the customer's mobilewallet does not include enough first currency for the exchange such thatmore first currency must be loaded to the customer's mobile wallet.

Referring now to FIG. 6, a detailed schematic diagram of the partnerprovider computing system is shown, according to an example embodiment.The partner provider computing system 106 is associated with a providerof an account held by the recipient of a currency transfer, such as amobile wallet account or a demand deposit account. Additionally, therecipient's account provider is a partner provider of the customer'sprovider such that the partner provider can receive currency transfersfrom the provider of the customer's mobile wallet. In some arrangements,the partner provider is a financial institution (e.g., a bank, a creditunion, a credit card company, etc.), similar to the provider. In otherarrangements, the partner provider is associated with the providerthrough a parent financial institution. For example, the provider andthe partner provider are branches of the same parent financialinstitution. Additionally, in some arrangements, the provider is locatedin a first country (e.g., headquartered in the first country, having thecustomer account(s) based on the first country), and the partnerprovider is located in a second country (e.g., headquartered in thesecond country, having the recipient account based in the secondcountry).

As shown in FIG. 6, the partner provider computing system 106 includes anetwork interface 400, a customer accounts database 402, and a currencytransfer circuit 404. In various embodiments, the network interface 400,customer accounts database 402, and currency transfer circuit 404 areconfigured similarly to the network interface 300, customer accountsdatabase 302, and currency transfer circuit 308, respectively, of theprovider computing system 104. Accordingly, the network interface 400facilitates connection of the partner provider computing system 106 tothe network 116, and the customer accounts database 402 is configured toretrievably store biographical, mobile wallet, template or referenceaccess credentials, payment account, and/or other account informationrelated to various customers of the partner provider computing system106 (e.g., including the recipient of the currency transfer).Additionally, the currency transfer circuit 404 may be configured toperform similar functions to the currency transfer circuit 308 describedabove (e.g., such that the recipient may also perform currency transferssimilar to the customer). Furthermore, the currency transfer circuit 404is configured to process currency transfers to the recipient. In variousembodiments, the currency transfer circuit 404 is configured to processthe currency transfer via a distributed ledger currency rail, asdescribed in further detail below with respect to FIG. 13.

Referring now to FIG. 7, a detailed schematic diagram of the issuercomputing system 108 is shown, according to an example embodiment. Invarious embodiments, the system 100 includes the issuer computing system108 as part of a distributed ledger currency rail used for currencytransfers. The issuer computing system 108 is associated with an issuer,which serves as a neutral third party in a currency transfer between theprovider computing system 104 and the partner provider computing system106. For example, the issuer computing system may be a neutral financialinstitution, a banking intermediary, etc. As shown in FIG. 7, the issuercomputing system 108 includes a network interface 500 and a fundingcircuit 502.

The network interface 500 includes program logic and/or components thatfacilitate connection of the issuer computing system 108 to the network116. Accordingly, the network interface 500 supports communicationbetween the issuer computing system 108 and other components of thesystem 100, such as the provider computing system 104, the partnerprovider computing system 106, and the one or more distributed ledgercomputing systems 110.

The funding circuit 502 is structured to facilitate the funding of anaccount held on a distributed ledger currency rail. Accordingly, invarious embodiments, the funding circuit 502 is configured to receive atransfer of funds from the provider computing system 104 (e.g., via acorrespondent bank). The funding circuit 502 accordingly holds thosefunds as collateral and establishes an omnibus account or adds funds toan existing omnibus account, such as by issuing cash states that serveas digital tokens representing the collateral funds, for the providercomputing system 104 on the distributed ledger used in the distributedledger currency rail. The funding circuit 502 is configured to add fundsto the omnibus account in a 1:1 ratio of funds received from theprovider computing system 104. The funding circuit 502 is similarlyconfigured to receive a transfer of funds from the partner providercomputing system 106 (e.g., via a correspondent bank), hold those fundsas collateral, and establish an omnibus account/add to an omnibusaccount for the partner provider computing system 106 on the distributedledger. Additionally, the funding circuit 502 is configured to removefunds from the associate omnibus account in response to the providercomputing system 104 or partner provider computing system 106 requestinga withdrawal of funds from the collateral account or complete defundingof the omnibus account. For example, the funding circuit 502 may destroycash states held in the omnibus account and transfer a 1:1 correspondingamount of funds from the collateral account to the requesting providercomputing system 104 or 106.

The one or more distributed ledger computing systems 110 are associatedwith the distributed ledger used for the distributed ledger currencyrail, in various embodiments. For example, the one or more distributedledger computing systems 110 may be or include a central computernetwork storing the distributed ledger, computer nodes postingtransactions to the distributed ledger, computer nodes verifyingtransactions posted to the distributed ledger, and so on. In variousembodiments, the distributed ledger may be a closed, permissionedledger. As such, the one or more distributed ledger computing systems110 may be associated with one or more trusted entities given access tothe distributed ledger for the purposes of posting transactions andverifying transactions posted to the distributed ledger. Alternatively,in some embodiments, the distributed ledger may be a permissionlessledger. Additionally, the distributed ledger may be implemented throughan existing distributed ledger system (e.g., R3 Corda, Ethereum, etc.),or the distributed ledger may be implemented through a proprietydistributed ledger system.

In some embodiments, the one or more distributed ledger computingsystems 110 include the provider computing system 104 and the partnerprovider computing system 106, which serve as nodes for the provider andthe partner provider, respectively, as part of the distributed ledger.In other embodiments, the one or more distributed ledger computingsystems 110 include separate computing systems associated with thepartner and partner provider and which serves as nodes for the partnerand the partner provider as part of the distributed ledger.

As described above, in various embodiments, the one or more distributedledger computing systems 110 are configured to implement a distributedledger as part of a distributed ledger payment rail, where transactions,such as currency transfers, are performed through omnibus accounts heldon the distributed ledger. These omnibus accounts may be funded throughthe issuer computing system 108, as described above, and once funded mayallow for transfers directly between account providers, such as theprovider computing system 104 and the partner provider computing system106. In some embodiments, each of the provider computing system 104 andthe partner provider computing system 106 record transactions on thedistributed ledger such that they may be compared and confirmed (e.g.,by the notary computing system 112). Accordingly, the distributed ledgerpayment rail may be used instead of traditional currency rails, such asnostro and vostro accounts and SWIFT. However, because the distributedledger allows for transactions to be quickly recorded and confirmed,transactions may occur more quickly on the distributed ledger currencyrail as opposed to traditional currency rails.

Referring now to FIG. 8, a detailed schematic diagram of one of thedistributed ledger computing systems 110 is shown, according to anexample embodiment. It should be understood, however, that each of theone or more distributed ledger computing systems 110 shown in FIG. 1 maybe configured similarly to FIG. 8. As shown in FIG. 8, the one or moredistributed ledger computing systems 110 each includes at least anetwork interface 600 and a distributed ledger database 602. It shouldbe understood, however, that in some embodiments, the one or moredistributed ledger computing systems 110 may include components inaddition to the network interface 600 and the distributed ledgerdatabase 602. As an illustration, a given distributed ledger computingsystem 110 may include an input/output circuit, a display, etc.Additionally, different distributed ledger computing systems 110 mayinclude different components. For example, one distributed ledgercomputing system 110 may be a central computing system, and anotherdistributed ledger computing system 110 may be a computing system node,and the central computing system and node may include differentcomponents.

The network interface 600 includes program logic and/or components thatfacilitate connection of the distributed ledger computing system 110 tothe network 116. Accordingly, the network interface 600 supportscommunication between the distributed ledger computing system 110 andother components of the system 100, such as the provider computingsystem 104, the partner provider computing system 106, and the issuercomputing system 108.

The distributed ledger database 602 is configured to retrievably storeinformation relating to the distributed ledger. Accordingly, thedistributed ledger database 602 may store the entirety or part of adistributed ledger, for example, downloaded from a central computingsystem or from other distributed ledger computing systems 110. Invarious embodiments, the distributed ledger database 602 includes arecord of accounts held by the provider and the partner provider on thedistributed ledger of the distributed ledger currency rail, as well astransactions (e.g., currency transfers) performed through thedistributed ledger currency rail.

Referring now to FIG. 9, a detailed schematic diagram of the notarycomputing system 112 is shown, according to an example embodiment. Thenotary computing system 112 is associated with a notary entity thatconfirms transactions on the distributed ledger currency rail. Forexample, the notary entity is a trusted third party for the distributedledger currency rail. As shown in FIG. 9, the notary computing system112 includes a network interface 700 and a confirmation circuit 702.

The network interface 700 includes program logic and/or components thatfacilitate connection of the notary computing system 112 to the network116. Accordingly, the network interface 700 supports communicationbetween the notary computing system 112 and other components of thesystem 100, such as the provider computing system 104, the partnerprovider computing system 106, and the one or more distributed ledgercomputing systems 110.

The confirmation circuit 702 is configured to verify and confirmtransactions on the distributed ledger currency rail. For example, for agiven transaction being verified, the confirmation circuit 702 maydetermine whether the transaction is unique (e.g., that no othertransactions matching the transaction being verified have already beenrecorded on the distributed ledger), verify the digital signatures forthe transaction on the distributed ledger, verify timestamps for thetransaction on the distributed ledger, and so on. In response toverifying the transaction, the confirmation circuit 702 is configured toconfirm the transaction on the distributed ledger by, for example,digitally signing and timestamping the transaction on the distributedledger. Accordingly, once the transaction is confirmed by theconfirmation circuit 702, the transaction (e.g., currency transfer) iscarried out (e.g., the currency transfer funds are made available to therecipient). Alternatively, in some embodiments, the system 100 may notinclude a notary computing system 112. Instead, the currency transfermay be verified by consensus protocol of the distributed ledger itselfand not require the verification of a central entity such as the notary.

Referring now to FIG. 10, a detailed schematic diagram of the recipientdevice 114 is shown, according to an example embodiment. The recipientdevice 114 is associated with a recipient of a currency transfer, withthe recipient holding an account with the partner provider computingsystem 106. In some arrangements, the recipient device 114 is a mobiledevice, such a smartphone, a tablet, a laptop, a smart watch, smartglasses, and so on. Alternatively, in other arrangements, the recipientdevice 114 is a non-mobile device, such as a desktop computer.

As shown in FIG. 10, the recipient device 114 includes a networkinterface 800, an input/output circuit 802, a display 804, and a mobilewallet application 806. In various embodiments, the network interface800, the input/output circuit 802, the display 804, and the mobilewallet application 806 are configured similarly to the network interface200, the input/output circuit 202, the display 204, and the mobilewallet application 206, respectively, of the customer device 102.Accordingly, the network interface 800 facilitates connection of therecipient device 114 to the network 116, the input/output circuit 802 isstructured to receive communications from and provide communications toa user of the recipient device 114, and the display 804 is configured tocommunicate information to and/or receive communications from the userof the recipient device 114. Additionally, the mobile wallet application806 may be configured to perform similar functions to the mobile walletapplication 206 described above (e.g., such that the recipient may loada mobile wallet account with currency and/or tokenized payment cards,make payments from the mobile wallet using the currency and/or tokenizedpayment cards, exchange currency, and transfer currency). Furthermore,the mobile wallet application 806 is configured to make funds from acurrency transfer available to the recipient in the recipient's mobilewallet (e.g., once the currency transfer has been confirmed by thenotary computing system 112 and the partner provider computing system106 releases the funds to the recipient's mobile wallet). It should beunderstood that the mobile wallet application 206 may similarly performthe functions of the mobile wallet application 806 (e.g., by makingfunds from a currency transfer from the recipient to the customer viathe mobile wallet application 806 available in the customer's mobilewallet).

However, it should also be understood that the recipient device 114 isexemplary and that in other embodiments, the recipient may receive acurrency transfer from the customer in a different manner. For example,the partner provider may release the currency transfer into a demanddeposit account held by the recipient such that, for example, therecipient may make payments with the released funds using a payment card(e.g., credit card, debit card). As another example, the partnerprovider may send the recipient a pre-paid debit card in the amount ofthe currency transfer that the recipient can use to make payments. Assuch, the system 100 may not include the recipient device 114 in suchembodiments.

Referring now to FIG. 11, a flow diagram of a method 900 of exchangingcurrency is shown, according to an example embodiment. At 902, theprovider computing system 104 receives a request for currency exchangein the customer's mobile wallet (e.g., from the mobile walletapplication 206). In some embodiments, through user interfaces providedby the mobile wallet application 206 on the customer device 102, thecustomer inputs one or more types of loaded, starting currency thecustomer would like to exchange, one or more types of desired currencythe customer would like to receive in the exchange, and the exchangeamount (e.g., the loaded, starting amount that the customer would liketo exchange and/or the desired amount that the customer would like toreceive). As an example, the customer may input that she wishes toexchange $100.00 USD and €50.00 of funds of the customer's mobile walletaccount for the corresponding amount in pounds. The customer device 102then provides the inputs to the provider computing system 104.

At 904, the provider computing system 104 determines the currencyexchange rate or rates for the input desired amount. For example, theprovider computing system 104 maintains a ledger of exchange rates thatare updated periodically (e.g., hourly, daily) or updatedinstantaneously. The provider computing system 104 may calculate theseexchange rates, for example, based on information about markets, pricesindexes for the currencies, currency exchange information released bythe countries printing the currency, and so on. Additionally, in someembodiments, the provider computing system 104 may optimize therequested currency exchange to decrease costs or fees for the customer.As an illustration, if the customer requests that the provider computingsystem 104 exchange a first currency and a second currency held by thecustomer in the mobile wallet for a certain amount of a third currency,the provider computing system 104 may determine whether the first or thesecond currency has a better exchange rate for the third currency (e.g.,a lower exchange rate such that the customer receives more of the thirdcurrency per amount of the first or second currency exchanged) andprioritize exchanging the currency in the customer's mobile walletassociated with the better exchange rate.

At 906, the provider computing system 104 locks in the currency exchangerate or rates for the currency exchange request. In some embodiments,the provider computing system 104 locks in the currency exchange ratefor a certain amount of time. For example, the provider computing system104 locks in the currency exchange rate for two minutes, during whichtime the customer must confirm the currency exchange to receive thelisted exchange rate. After the two minutes have expired, the customermust resubmit the exchange request. The customer device 102 mayaccordingly display user interfaces, via the mobile wallet application206, that show the customer the amount of time the customer has left touse the locked in exchange rate. In other embodiments, once the providercomputing system 104 receives all of the information for the currencyexchange, the provider computing system 104 locks in the currencyexchange rate and simultaneously carries out the exchange.

At 908, the provider computing system 104 makes the exchanged currencyaccessible to the customer in the customer's mobile wallet. In somearrangements, the provider computing system 104 performs the currencyexchange and makes the exchanged currency accessible to the customer inresponse to the customer confirming the exchange (e.g., via userinterfaces provided through the mobile wallet application 206 within acertain amount of time). As described above with reference to FIG. 3, insome embodiments, the provider computing system 104 creates one or moreaccounts, each associated with a desired currency that the customerreceives as part of the transaction, or one or more partitions withinthe same account. Alternatively or additionally, the provider computingsystem 104 uses one or more existing accounts held by the customer orone or more account partitions in an account held by the customer, eachassociated with a desired currency that the customer receives as part ofthe transaction. The mobile wallet is synchronized with the one or morenew and/or existing accounts such that the customer can payments fromeach of the accounts depending on the type of currency that the customerwould like to use. In other embodiments, the provider computing system104 permanently locks in the exchange rate for the exchange amount suchthat the provider computing system 104 will convert the exchange amountat the locked in exchange rate at the time the customer wishes to makepayments or transfers using the exchange currency.

In this way, the provider computing system 104 exchanges at least anamount of a first type of currency for at least an amount of a secondtype of currency, where the first currency amount is composed of fundsof the customer's mobile wallet account (e.g., funds stored in themobile wallet account, funds of one or more payment accounts linked tothe mobile wallet account) and the second currency amount is thecurrency that the customer desires to receive as part of the currencyexchange. It should be understood that the provider computing system 104may exchange any number of starting currencies for any number of desiredcurrencies. For example, the customer may exchange amounts of twostarting currencies for an amount of a desired currency.

Referring now to FIG. 12, a flow diagram showing a method 1000 oftransferring currency is shown from the perspective of the providercomputing system 104, according to an example embodiment. At 1002, theprovider computing system 104 receives a request for a currency transferto a recipient (e.g., via the mobile wallet application 206). In someembodiments, through user interfaces provided by the mobile walletapplication 206 on the customer device 102, the customer inputs one ormore types of currency the customer would like to transfer andidentifies the recipient to which the customer would like to make thecurrency transfer (e.g., by inputting identifying information associatedwith the recipient, by finding the recipient through a search functionprovided on the mobile wallet application 206, by synching thecustomer's contacts stored on the customer device 102 with the mobilewallet application 206 such that the customer selects one of thecustomer's contacts, etc.). The customer also inputs the amount of thecurrency the customer would like to transfer from the customer's mobilewallet and/or the amount of currency the customer would like therecipient to receive. Further, in certain embodiments, the customer alsoinputs one or more types of currency the customer would like thetransfer to be exchanged into. As an example, the customer may identifythe recipient by inputting an account token for the recipient (e.g., therecipient's email address or phone number) into the mobile walletapplication 206. In some embodiments, the provider computing system 104identifies the recipient and the partner provider via a global registrythat maps recipient account tokens to recipients and their financialinstitutions (e.g., the partner provider). The global registry may bemaintained by the provider computing system 104 or may be maintained bya third party and accessed by the provider computing system 104. Oncethe recipient is identified, the customer may then input that she wishesto exchange an amount in USD that corresponds to £500.00. Based on theinformation provided by the customer, the provider computing system 104identifies the recipient and the partner provider computing system 106as the recipient's account provider. Alternatively, if not enoughinformation has been provided to make these identifications, theprovider computing system 104 requests additional information from thecustomer (e.g., via the mobile wallet application 206, by sending thecustomer a follow-up text message or email, etc.).

At 1004, the provider computing system 104 debits the transfer amountfrom the customer's mobile wallet. For example, the provider computingsystem 104 may record the debit in the customer's mobile wallet accountand record a corresponding credit to an account or ledger held by theprovider (e.g., an internal account, the omnibus account on thedistributed ledger, etc.). As an illustration, the provider computingsystem 104 may record the debit in the customer's mobile wallet accountand record a corresponding credit to a general ledger held by theprovider. The credit in this general ledger then results in anequivalent number of digital tokens being created in the omnibus accountfor the provider on the distributed ledger. In some arrangements, theprovider computing system 104 uses the general ledger to determine anamount of fiat currency to transfer to the issuer computing system 108,which creates a corresponding amount of digital tokens in the omnibusaccount on the distributed ledger. In other arrangements, recording thecredit to the general ledger directly results in the creation of acorresponding amount of digital tokens in the omnibus account (e.g.,such that the issuer computing system 108 may not be needed or play alesser role in the system 100). At 1006, the provider computing system104 communicates with the partner provider computing system 106regarding the currency transfer. As an example, the provider computingsystem 104 sends the partner provider computing system 106 a securemessage (e.g., through an existing communication channel or through acommunication channel for the distributed ledger currency rail), withthe secure message identifying the recipient and the transfer amount.The secure message may further identify the account of the recipientthat the currency transfer should be provided to (e.g., based oninformation provided by the customer, based on preset preferences by therecipient, etc.).

At 1008, the provider computing system 104 debits the transfer amountfrom an omnibus account on the distributed ledger. In variousimplementations, the omnibus account acts as an aggregate account thatthat provider computing system 104 can receive transfers to and maketransfers from for a variety of customers. In some embodiments, theomnibus account is used to hold balances for multiple types of currencyfor the provider. In other embodiments, the omnibus account is used tohold balances for one type of currency, and the provider holds anomnibus account for each type of currency that the provider computingsystem 104 can transfer. Additionally, as described above with respectto the issuer computing system 108, in some embodiments, the providercomputing system 104 may preload the omnibus account with a certainamount of currency through the issuer computing system 108. For example,the provider computing system 104 may transfer a certain amount ofcurrency to the issuer computing system 108 to hold as collateral (e.g.,using nostro and vostro accounts), and the issuer may credit acorresponding amount to the provider's omnibus account on thedistributed ledger (e.g., by issuing cash states to the provider'somnibus account). In this way, the provider computing system 104receives the credited amount of transferred funds in the provider'somnibus account for use in conducting currency transfers. As such, at1008, the provider computing system 104 may first determine whether theprovider computing system 104 has enough funds in the provider's omnibusaccount to make the transfer before debiting the transfer amount. If theomnibus account does not have enough funds, the currency transfer mayfail, and the provider computing system 104 may need to transferadditional funds into the omnibus account via the issuer computingsystem 108 before the provider computing system 104 can complete thecurrency transfer. Additionally, in various embodiments, the providercomputing system 104 digitally signs and timestamps the debit on thedistributed ledger.

At 1010, the provider computing system 104 receives confirmation of thecurrency transfer from the notary computing system 112. For example, thenotary verifies that the transaction is unique on the distributed ledgerand that the transaction as recorded by the provider computing system104 and the partner provider computing system 106 on the distributedledger (e.g., as debited and credited to their respective omnibusaccounts) match, as well as verifies the timestamps and signatures. Ifverified, the notary computing system 112 signs and timestamps thetransfer on the distributed ledger to confirm the transfer.Alternatively, in some embodiments, the consensus protocol of thedistributed ledger itself may confirm the transfer without dependency ona notary. At 1012, in response to the confirmation, the providercomputing system 104 sends a confirmation of the currency transfer tothe customer (e.g., via the mobile wallet application 206, via email,via a text message, etc.).

In some embodiments, as noted above, the customer may request a currencyexchange at the same time as the currency transfer. In such embodiments,the method 1000 may further include the method 900 described above withreference to FIG. 9. Accordingly, to facilitate currency exchanges, theomnibus account associated with the provider computing system 104 mayinclude different partitions for each currency held by the providercomputing system 104, or the provider may hold more than one omnibusaccount on the distributed ledger, with each omnibus account associatedwith a different type of currency. Further, in some embodiments, similarprocesses as described with reference to method 1000 may be used toconduct a currency exchange. For example, the provider computing system104 may debit the amount of loaded, starting currency that the customerwants to exchange from the customer's mobile wallet (e.g., from apartition in a customer account associated with the starting currencytype, from a customer account associated with the starting currencytype). The provider computing system 104 may credit the amount ofstarting currency to an omnibus account associated with the providercomputing system 104 on the distributed ledger (e.g., to a partition ofthe omnibus account that is associated with the starting currency type,to an omnibus account associated with the starting currency type). Theprovider computing system 104 may then debit the corresponding amount ofdesired currency that the customer wants to receive from an omnibusaccount on the distributed ledger (e.g., from a partition of the sameomnibus account, the partition associated with the desired currencytype, from an omnibus account associated with the desired currency type)and then credit the corresponding amount of desired currency to thecustomer (e.g., to a partition in a customer account associated with thedesired currency type, to a customer account associated with the desiredcurrency type).

Additionally, it should be understood that in some embodiments, one ormore of the above processes may be automated through smart contractsimplemented on the distributed ledger. For example, the providercomputing system 104 may implement a smart contract on the distributedledger, with the recipient and the currency transfer amount as input,such that the smart contract automatically performs 1004-1012 using thedistributed ledger currency rail (e.g., based on information extractedusing keyword searching or predefined fields of the currency transferrequest). Further, in some embodiments, performing transfers using thedistributed ledger currency rail may be implemented over existingsystems and methods for performing transfers. As an example, theprovider computing system 104 may be configured to identify SWIFTmessages sent by various branches of the accounts provider. The providercomputing system 104 may further intercept these messages before thesemessages are sent out to the SWIFT network, extract details of thetransfer from the SWIFT message (e.g., by searching for keywords in themessage, by identifying parameters input into predefined fields of themessage, by using optical character recognition on the message), andinstead implement the transfer using the distributed ledger currencyrail. In this way, the provider computing system 104 may advantageouslysave the accounts provider from having to pay the fees associated withusing SWIFT while preserving the same transfer process experience foremployees of the provider at the provider's branches.

It should also be understood that the systems and methods describedherein may also be used to make currency transfers (including currencytransfers that also involve currency exchanges) to recipients holdingaccounts with the provider. In such cases, the provider computing system104 may still record the currency transfer on the distributed ledger.For example, the provider computing system 104 may debit the currencytransfer amount from the customer's mobile wallet, credit the amount tothe provider's omnibus account on the distributed ledger, debit theamount from the provider's omnibus account, and credit the amount to therecipient's account, thereby preserving a record of the transaction onthe distributed ledger.

Referring now to FIG. 13, a flow diagram showing a method 1050 ofreceiving a currency transfer is shown from the perspective of thepartner provider computing system 106, according to an exampleembodiment. At 1052, the partner provider computing system 106 receivesa communication regarding a currency transfer to the recipient from theprovider computing system 104. As described above with respect to 1006of FIG. 12, the communication may be received as a secure messageidentifying the recipient. At 1054, the partner provider computingsystem 106 credits the transfer amount to the partner provider's omnibusaccount on the distributed ledger (e.g., in response to the providercomputing system 104 debiting the transfer amount from the provideromnibus account). In various implementations, the partner provideromnibus account is configured similarly to the provider omnibus account,described above with respect to 1008 of FIG. 13, and may be prefundedvia the issuer computing system 108.

At 1056, the partner provider computing system 106 receives aconfirmation of the currency transfer from the notary computing system112. In various embodiments, 1056 occurs similarly to 1010 of FIG. 13,which is described above. At 1058, in response to the confirmation, thepartner provider computing system 106 makes the transfer funds availableto the recipient. For example, the partner provider computing system 106may credit the amount of the transfer to a mobile wallet account held bythe recipient (e.g., such that the funds are accessible by the recipientvia the mobile wallet application 806 on the recipient device 114). Asanother example, the partner provider computing system 106 may creditthe amount of the transfer to a demand deposit account held by therecipient. In some arrangements, as part of 1058, the partner providercomputing system 106 may request a withdrawal of funds in the amount ofthe transfer from the collateral account held with the issuer. Inresponse, the issuer computing system 108 destroys cash statescorresponding to the amount of funds held in the partner provideromnibus account and sends the transfer amount in fiat currency to anaccount or ledger held by the partner provider (e.g., a general ledgeraccount held by the partner provider). In other arrangements, as part of1058, the partner provider computing system 106 may receive fiatcurrency directly from the provider computing system 104, including thetransfer amount, through existing payment rails. For example, theprovider computing system 104 may transfer a deferred net settlementincluding the transfer amount of method 1050, along with additionaltransfers made to the partner provider, via traditional nostro andvostro accounts. The deferred net settlement may be performed at the endof a business day, at the end of a business week, etc. The deferred netsettlement may be recorded in the distributed ledger by the providercomputing system 104, partner provider computing system 106, and/orissuer computing system 108 and may further be confirmed in thedistributed ledger by the notary computing system 112. In suchembodiments, the issuer computing system 108 may accordingly play a morelimited role in the system 100. Additionally, at 1060, the partnerprovider computing system 106 sends a confirmation of the transfer tothe recipient (e.g., via the mobile wallet application 806, via email,via a text message, etc.).

Similar to method 1000 of FIG. 12, it should be understood that in someembodiments, one or more of the above processes of method 1050 may beautomated through smart contracts. For example, receiving thecommunication at 1052 may trigger a smart contract on the distributedledger that automatically carries out the remaining processes 1054-1060.As another example, once the provider computing system 104 receives thecommunication at 1052, the provider computing system 104 may implement asmart contract on the distributed ledger that automatically caries outthe remaining processes 1054-1060. Additionally, it should further beunderstood that FIGS. 12 and 13 are intended to be exemplary and thatother methods of transferring currency using a distributed ledgercurrency rail may instead be used with the systems and graphical userinterfaces described herein. Additionally, in various embodiments,methods 1000 and 1050 include completing compliance and sanctions checksfor each transaction by partnering with the provider and the partnerprovider.

Referring now to FIGS. 14-44, graphical user interfaces that may bepresented to the customer via the mobile wallet application 206 on thecustomer device 102 are shown, according to various embodiments. Itshould be understood that these graphical user interfaces are intendedto be exemplary and that fewer, additional, and/or different graphicaluser interfaces may be implemented as part of carrying out the functionsof the customer's mobile wallet described below. Graphical userinterfaces allowing for different functionalities or capabilities of themobile wallet may additionally or alternatively be implemented.

Referring first to FIGS. 14-16, graphical user interfaces showing loginscreens for the customer's mobile wallet are shown, according to exampleembodiments. FIG. 14 illustrates an opening screen 1100 shown, forexample, when the customer opens the mobile wallet application 206 onthe customer device 102. In some implementations, the opening screen1100 may be replaced after a certain amount of time (e.g., allowing themobile wallet application 206 to boot up on the customer device 102), orthe opening screen 1100 may be dismissed by the customer clicking on it(e.g., using a touchscreen of the display 204). The opening screen 1100is then replaced by a login screen 1200, illustrated in FIG. 15. Thelogin screen 1200 includes a login section 1202 whereby the customer mayinput login credentials. For example, in the embodiment of FIG. 15, thecustomer can input a username and password into the login section 1202.In other embodiments, the customer may input other credentials, such asa personal identification number (“PIN”) or a biometric (e.g., afingerprint scanned using the input/output circuit 202 of the customerdevice 102). The login screen 1200 also includes a login button 1204that the customer can press to submit the login credentials.

FIG. 16 illustrated a filled-in login screen 1300, where the loginsection 1202 includes the customer's login credentials (e.g., in theembodiment of FIG. 16, the username “JayneChen92” and a password that isasterisked out for security). As such, when the customer selects thelogin button 1204, the customer's login credentials are submitted forauthentication. In some embodiments, the customer is at least partiallyauthenticated by the mobile wallet application 206. For example, themobile wallet application 206 may store certain authenticationinformation, such as a biometric, locally on the customer device 102such that the mobile wallet application 206 can authenticate thecredentials. In other embodiments, the customer is at least partiallyauthenticated by the provider computing system 104. As an example, theprovider computing system 104 may store authentication credentialtemplates or references in the customer accounts database 302 and usethe customer accounts database 302 to authenticate the credentials.

Once the customer is authenticated, the customer is redirected to anaccount screen. However, in some embodiments, the customer is firstprovided with information about using the mobile wallet application 206.Referring to FIGS. 17 and 18, graphical user interfaces describingfunctions of the customer's mobile wallet are shown, according toexample embodiments. FIG. 17 illustrates a transaction informationscreen 1400. The transaction information screen 1400 includes atransaction icon 1402 and instructions 1404 indicating that the customercan see all of her transactions per categories, merchants, and countriesin response to pressing the transaction icon 1402. FIG. 18 illustratesan account information screen 1500 that is shown to the customer, forexample, after the customer presses the “Ok” button shown on thetransaction information screen 1400 of FIG. 17. The account informationscreen 1500 includes instructions 1502 indicating that the accountscreen allows the customer to keep track of all of her spending andtotal balances, illustrated by a demo currency balance 1504 and a democurrency carousel 1506.

In some embodiments, information screens, such as the transactioninformation screen 1400 and the account information screen 1500, areshown to the customer the first time the customer logs into the mobilewallet using the mobile wallet application 206. In other embodiments,information screens are shown each time the customer logs into themobile wallet until, for example, the customer changes settings for themobile wallet. Additionally, it should be understood that the screensillustrated by FIGS. 17 and 18 are exemplary and that additional, fewer,or different information screens may be shown to a customer, such asscreens providing information on making currency exchanges andtransfers.

Referring to FIG. 19, a graphical user interface showing an accountscreen 1600 for the customer's mobile wallet is shown, according to anexample embodiment. In some embodiments, the account screen 1600 servesas a home screen for the mobile wallet application 206, and the customeris directed to the account screen 1600 once the customer isauthenticated or the customer dismisses all information screens shown tothe customer (e.g., after the customer presses the “Ok” button shown onthe account information screen 1500 of FIG. 18). In various embodiments,as illustrated in FIG. 19, the account screen 1600 includes thetransaction icon 1402 and a profile icon 1602.

Additionally, the account screen 1600 is divided into several sections.A top section 1604 includes a currency carousel 1606 illustratingvarious currencies enabled in the mobile wallet (e.g., by showing asymbol of the flag of the country or group associated with thecurrency). For example, the currency carousel 1606 may include allcurrencies that the customer can use (e.g., to make payments, exchanges,and/or transfers with) in the mobile wallet, the currency carousel 1606may include only the currencies that the customer has actually used inthe mobile wallet, or the currency carousel 1606 may include only thecurrencies that the customer is holding a balance in within the mobilewallet. The top section 1604 also includes a currency balance 1608showing the amount of the selected currency that the customer currentlyholds in her wallet. In the embodiment of FIG. 19, the Euro is selectedin the currency carousel 1606, and the currency balance 1608 is €106.23.The top section 1604 further includes an “Exchange” button 1610 that thecustomer can press to exchange one currency for another currency and a“Send Money” button 1612 that the customer can press to transfercurrency to a recipient. A bottom section 1614 includes a list oftransactions (e.g., including currency transferred in and out of thecustomer's mobile wallet) for the selected currency. In the embodimentof FIG. 19, the transactions are listed by date, with each transactionincluding who the transaction was with, what type of transaction it was,and the amount of the transaction. Additionally, some of thetransactions include a small arrow next to the transaction amount thatthe customer may press, for example, to view additional informationabout the transaction.

Referring now to FIG. 20, a graphical user interface showing a profilescreen 1700 for the customer's mobile wallet is shown, according to anexample embodiment. For example, the customer may access the profilescreen 1700 by pressing the profile icon 1602 shown on the accountscreen 1600. The profile screen 1700 includes a profile section 1702showing profile information for the customer, such as the customer'sname and email address as illustrated in the embodiment of FIG. 20. Theprofile screen 1700 also includes a logout button 1704 that the customercan press to log out of the customer's mobile wallet. Additionally, theprofile screen 1700 includes an exit button 1706 that the customer canpress to exit out of the profile screen 1700 and, for example, return tothe account screen 1600.

Referring now to FIGS. 21-23, graphical user interfaces showingtransaction screens for the customer's mobile wallet are shown,according to various embodiments. The customer may view the transactionscreens of FIGS. 21-23, for example, by pressing the transaction icon1402 on the account screen 1600. As illustrated in FIG. 21, eachtransaction screen includes a transaction type bar 1800 that thecustomer can use to select how to view the transactions, the currencycarousel 1606, the total spending amount 1802 for the selected currencyin the currency carousel 1606, and an exit button 1804 that the customercan press to leave the transaction screens and, for example, return tothe account screen 1600. In the embodiments of FIGS. 21-23, the Euro hasagain been selected in the currency carousel 1606, and the customer'sEuro total spending amount 1802 is shown as €5,247.90.

FIG. 21 illustrates a transaction category screen 1806 that has beenselected using a category button 1808 in the transaction type bar 1800.Alternatively, in some arrangements, the transaction category screen1806 is shown to the customer because the transaction category screen1806 is a default screen shown when the customer selects the transactionicon 1402 or the transaction category screen 1806 was the lasttransaction screen the customer viewed when the customer last accessedthe transaction screens. The transaction category screen 1806 includesgroupings of transactions 1810 listed by category (e.g., shopping,dining, travel, groceries, hotels, entertainment, health, and general).In some embodiments, the customer may select a category to view morespecific information about the transactions falling into that category,such as who each payment was made to and the time and date of eachpayment. Similarly, FIG. 22 illustrates a transaction merchant screen1900 (e.g., selected using a merchant button 1902 in the transactiontype bar 1800) including groupings of transactions 1904 listed bymerchant, and FIG. 23 illustrates a transaction country screen 2000(e.g., selected using a country button 2002 in the transaction type bar1800) including groupings of transactions 2004 listed by country (e.g.,grouped together according to the country where the recipient or therecipient account for the transaction was based, grouped togetheraccording to the country in which the transaction took place, groupedtogether according to the currencies used by the customer for thevarious transactions).

Referring now to FIGS. 24-29, graphical user interfaces showing accountcell information screens for the customer's mobile wallet are shown,according to example embodiments. For example, an account cellinformation screen may be accessed by the customer selecting a specifictransaction after navigating the account screen 1600 or the transactionscreens. As shown in FIG. 24, each account cell information screenincludes a back button 2100 that the customer can press to navigatebackwards (e.g., back to the account screen 1600 or the transactionscreens). Each account cell information screen includes variousinformation about the selected transaction. Accordingly, FIGS. 24-29present examples of the type of information presented to the customer aspart of these account cell information screens. It should be understood,however, that FIGS. 24-29 are intended to be exemplary and that otherdesigns of screens and/or screens presenting additional, less, and/ordifferent information may be used in other mobile walletimplementations.

FIG. 24 illustrates an example money sent screen 2102. A heading 2104for the screen 2102 shows that, for the selected transaction, thecustomer sent €50.00 in currency to a recipient (e.g., another mobilewallet customer). A transaction information section 2106 providesinformation on the transaction (e.g., the recipient, the transactiontype, the transaction date, and a memo describing the transaction). Acurrencies section 2108 provides information on the currencies used forthe transaction (e.g., how much of each currency was sent as part of thetransaction, the exchange rate for each currency sent as part of thetransaction). In the example money sent screen 2102, the customer sentthe €50.00 in currency using €19.00 in Euros, $31.00 in USD, and P45.00in rubies stored in the customer's mobile wallet. FIG. 25 illustratesanother example money sent screen 2200. A heading 2202 for the screen2200 shows that, for this transaction, the customer sent €9.99 incurrency. Similar to the screen 2102, the example money sent screen 2200includes a transaction information section 2204 and a currencies section2206, showing that the customer sent the €9.99 in currency using $6.00in USD and $385.00 in Mexican pesos stored in the customer's mobilewallet.

FIG. 26 illustrates an example payment screen 2300. A heading 2302 forthe screen 2300 shows that, for the selected transaction, the customermade a payment to Starbucks in an amount of €25.50. A transactioninformation section 2304 provides information on the transaction,including an indication that this transaction also involved a currencyexchange. A currency rate section 2306 shows the currency exchange ratebetween the loaded, starting currency that was used for the transactionand the final, desired currency provided to the recipient. The currencyrate section 2306 also shows the total amount in the loaded, startingcurrency used for the transaction (e.g., USD in the example of FIG. 26).FIG. 27 illustrates another example payment screen 2400. A heading 2402for the screen 2400 indicates that, for this transaction, the customermade a payment to Fandango in an amount of €76.50. Similar to the screen2300, the example payment screen 2400 also includes a transactioninformation section 2404 and a currency rate section 2406.

FIG. 28 illustrates an example money exchange screen 2500. A heading2502 for the screen 2500 shows that, for the selected transaction, thecustomer exchanged for €200.00 of currency. A transaction informationsection 2504 (e.g., similar to the transaction information section 2304of FIG. 26 and the transaction information section 2404 of FIG. 27)provides information on the transaction. Likewise, a currency ratesection 2506 (e.g., similar to the currency rate section 2306 of FIG. 26and currency rate section 2406 of FIG. 27) provides the currency ratethat was used for the exchange, as well as the total amount in startingcurrency (e.g., USD in the example of FIG. 28). FIG. 29 illustratesanother example money exchange screen 2600 with a heading 2602indicating that, for the transaction of screen 2600, the customerexchanged for €600.00. Similar to the screen 2500, the example moneyexchange screen 2600 also includes a transaction information section2604 and a currency rate section 2606.

Referring now to FIGS. 30-33, graphical user interfaces showing currencyexchange screens for the customer's mobile wallet are shown, accordingto example embodiments. FIG. 30 illustrates a currency input screen2700. For example, the customer may access the currency input screen2700 by pressing the exchange button 1610 on the account screen 1600. Asshown in FIG. 30, the currency input screen 2700 includes an exit button2702 that the customer can press to leave the currency exchange processand, for example, return to the account screen 1600. The currency inputscreen 2700 also includes a first currency section 2704 that thecustomer can use to select the type of starting currency that thecustomer would like to exchange and a second currency section 2706 thatthe customer can use to select the type of desired currency that thecustomer would like to receive as a result of the exchange.Additionally, the customer may input, in the first currency section2704, the amount of starting currency the customer would like toexchange or, in the second currency section 2706, the amount of desiredcurrency that the customer would like to receive using a keypad 2708provided on the currency input screen 2700. In the embodiment of FIG.30, the customer has selected USD as the first currency, Euros as thesecond currency, and input $100.00 as the currency exchange amount. Thecurrency input screen 2700 also includes an exchange rate 2710 betweenthe first and second currencies currently selected (e.g., the currentexchange rate, a last updated exchange rate provided to the mobilewallet application 206 by the provider computing system 104). When thecustomer is satisfied with the currency exchange inputs, the customercan press an exchange button 2712 on the currency input screen 2700 toproceed with the currency exchange.

FIG. 31 illustrates a currency selection screen 2800 through which thecustomer may select a currency for the currency exchange. For example,the customer may be shown the currency selection screen 2800 by pressingon the down arrow next to the flag icon in the first currency section2704 or the second currency section 2706 of the currency input screen2700. As shown in FIG. 31, the customer may select the currency bysearching for the currency or country associated with the currency in asearch bar 2802, by selecting from a list of most recent currencies2804, or by scrolling through a list of all available currencies 2806.The currency selection screen 2800 also includes an exit button 2808that the customer can press to exit out of the currency selection screen2800 and, for example, return to the currency input screen 2700. In someembodiments, the customer can select multiple currencies in the currencyselection screen 2800 such that the customer can input multiple startingcurrencies to exchange and/or multiple desired currencies to receive.Alternatively, in other embodiments, the currency input screen 2700shown in FIG. 30 may allow the customer to add additional startingcurrencies and/or desired currencies such that the customer may provideand/or receive multiple currencies in the exchange.

FIG. 32 illustrates an exchange processing screen 2900. For example, thecustomer may be shown the exchange processing screen 2900 in response topressing the exchange button 2712 on the currency input screen 2700. Asshown in FIG. 32, the exchange processing screen 2900 includes aprogress icon 2902 indicating the amount of currency that the customerwill receive as a result of the exchange and the progress of theexchange. For example, the bar surrounding the circumference of thecircle in the progress icon 2902 may fill clockwise with green, as shownin FIG. 32, as the currency exchange progresses. When the currencyexchange is finished, the customer is redirected to an exchangeconfirmation screen 3000, illustrated in FIG. 33. The progress icon 2902thus switches to a confirmation icon 3002, shown in FIG. 33, indicatingthat the currency exchange is complete. Additionally, the exchangeconfirmation screen 3000 includes a currencies section 3004 confirmingthe amounts and types of currencies used for the currency exchange. Thecustomer can then press a “Done” button 3006 to exit out of the exchangeconfirmation screen 3000 and, for example, return to the account screen1600.

Referring now to FIGS. 34-39, graphical user interfaces showing currencytransfer screens for the customer's mobile wallet are shown, accordingto various embodiments. FIG. 34 illustrates a recipient selection screen3100 that the customer can use to select the recipient for the currencytransfer. For example, as shown in FIG. 34, the customer may select arecipient by searching a name, email, or phone number in a search bar3102. In some embodiments, searching in the search bar 3102 searchesthrough contacts that the customer has added to the customer's mobilewallet. In certain embodiments, searching in the search bar 3102additionally or alternatively searches through contacts that thecustomer has stored on the customer device 102. As such, the customermay use the search bar 3102 to search for a previously added contact. Asan alternative, the customer may add a new contact for the currencytransfer, for example, by using an add contact icon 3104. In otherembodiments, alternatively or additionally, searching in the search bar3102 searches through all or most (e.g., all public) mobile walletaccounts or mobile wallet profiles held with the provider computingsystem 104. In such embodiments, to select a new recipient for thecurrency transfer, the customer may need to add the recipient as acontact using the add contact icon 3104 and/or the recipient may need toset up an account or profile with the provider computing system 104. Asshown in FIG. 34, the customer may also select the recipient from a list3106 of most popular past recipients or a list 3108 of most recent pastrecipients. Additionally, the customer may exit out of the currencytransfer process by selecting an exit button 3110, which redirects thecustomer, for example, back to the account screen 1600.

Once the customer has selected a recipient using the recipient selectionscreen 3100, the customer is redirected to a send money screen 3200, asillustrated in FIG. 35. The customer may also go back to the recipientselection screen 3100 by, for example, selecting a back button 3202provided on the send money screen 3200. The send money screen 3200includes a profile 3204 of the selected recipient. For example, as shownin FIG. 35, the profile 3204 may include the recipient's name andpicture (e.g., if the recipient has added a picture to his or herprofile, if the customer has a stored picture associated with therecipient, such as part of a contact application, on the customer device102). The send money screen also includes a currency section 3206 thatthe customer may use to select the type of currency the customer wouldlike to send (e.g., which directs the customer to the currency selectionscreen 2800) and the amount of currency for the transfer (e.g., whichthe customer may input using a keypad 3208 provided on the send moneyscreen 3200). In some arrangements, the customer inputs the amount andtype of currency the customer would like the recipient to receive. Inother arrangements, the customer inputs the amount and type of currencythe customer would like to send. The send money screen 3200 alsoincludes a memo section 3210 that the customer may use to annotate thereason for the currency transfer. In the embodiment of FIG. 35, thecustomer has input €200.00 to send to Janey Chen for “Dinner & movie.”Once the customer is satisfied with the currency transfer informationthe customer has input, the customer may select a “Send” button 3212 toproceed with the currency transfer process.

FIG. 36 illustrates a choose currency screen 3300. For example, thecustomer is directed to the choose currency screen 3300 after pressingthe send button 3212 on the send money screen 3200. The customer mayalso return to the send money screen 3200 by, for example, selecting aback button 3302. The choose currency screen 3300 is configured tofacilitate the customer in selecting which loaded currencies thecustomer would like to use for the currency transfer. As such, thechoose currency screen 3300 includes an equivalent total amount 3304that the customer has selected up to and also indicates the totaldesired amount that the customer input as wanting to send to therecipient in the send money screen 3200. For example, in the embodimentof FIG. 36, the customer has so far selected an equivalent total amount3304 of €196.23 of a total of €200.00.

To make the equivalent total amount 3304 reach the total input amount,the customer may select how much of various currencies that the customeris holding in her mobile wallet to send as part of the currency transferusing a currency selection section 3306 of the choose currency screen3300. For example, in various embodiments, the customer may move varioussliders provided in the currency selection section 3306. Each slider isassociated with a type of currency that the customer has loaded in thecustomer's mobile wallet. Additionally, each slider indicates the amountof currency that the customer has selected for the transfer and, ifapplicable, the exchange rate for the transfer. The right side of theeach slider, which represents the maximum amount of that type ofcurrency the customer can transfer, may be set as the total input amount(if the customer has enough of the currency type to fulfill the totalinput amount with that currency type), as the total amount of thatcurrency type that is loaded in the customer's mobile wallet, based onpreset preferences of the customer, based on amounts preset by themobile wallet application 206 or the provider computing system 104, andso on.

In some arrangements, the currency selection section 3306 may includeall currency types that the customer holds in her mobile wallet.Alternatively, in other arrangements, the currency selection section3306 may include just a subset of the currency types that the customerholds in her mobile wallet, such as the currencies the customer hasloaded the most of in the mobile wallet or the currencies with the mostfavorable exchange rates for the customer (e.g., the three best exchangerates). Further, in some arrangements, the choose currency screen 3300may automatically show the customer the most favorable combination ofcurrencies to use for the transfer (e.g., the combination of currencieswith the most favorable exchange rates), and the customer can lateradjust the amount of each currency used for the transfer. In otherarrangements, the customer must manually select the amount of eachcurrency. For example, in the embodiment of FIG. 36, the customer has sofar selected €106.23 and $150.30 for the currency transfer. Furthermore,in some embodiments, the sliders in the currency selection section 3306may stop moving to the right once the customer has selected anequivalent total amount 3304 equal to the total amount the customerinput for the transfer on the send money screen 3200. Alternatively, inother embodiments, the customer may be able to use the sliders in thecurrency selection section 3306 to select more than the input amount.

When the customer has finished selecting the amount of each type ofcurrency to be used for the transfer, the customer can proceed with thecurrency transfer by pressing the “Send” button 3308. In someembodiments, the mobile wallet application 206 and the providercomputing system 104 will proceed with the currency transfer once thecustomer selects the send button 3308 using whatever equivalent totalamount 3304 the customer has selected in the currency selection section3306, regardless of whether the equivalent total amount 3304 is less (ormore) than the total amount for the transfer that the customer input onthe send money screen 3200. In other embodiments, if the customerselects the send button 3308 without having selected an equivalent totalamount 3304 equal to the total amount the customer input on the sendmoney screen 3200, the mobile wallet application 206 and the providercomputing system 104 will not proceed with the currency transfer. Forexample, the customer may be shown a message instructing the customer toselect an equivalent total amount 3304 equal to the input total amountfor the transfer. As another example, the customer may not be allowed topress the send button 3308 unless the equivalent total amount 3304 isequal to or within a certain amount of (e.g., within 10% of) the inputtotal amount.

Additionally, in some embodiments, the customer may have a time limit inwhich to select the equivalent total amount 3304 for the currencytransfer, with the time remaining indicated by a timer 3310. Forexample, in the embodiment of FIG. 36, the customer has a time limit oftwo minutes. If the customer does not choose the total equivalent amountof currency that the customer would like to send to the recipient withinthat time limit (e.g., by sliding the sliders and pressing the “Send”button 3308), the customer may be redirected to a timeout screen 3400,as illustrated in FIG. 37. For example, the timeout screen 3400 includesa message 3402 indicating that the two minutes for selecting thecurrency has expired and that currency rates will be reset. As such,once the customer presses the “Ok” button on the message 3402, thecustomer will be directed back to the choose currency screen 3300 butwith reset currency exchange rates. In other arrangements, the customermay be redirected to an earlier screen in the currency exchange process,such as the send money screen 3200.

FIG. 38 illustrates a transfer processing screen 3500. For example, thecustomer may be shown the transfer processing screen 3500 once thecustomer has successfully selected the equivalent amount of startingcurrency loaded in the customer's mobile wallet to be used for thetransfer and selected the send button 3308. As shown in FIG. 38, thetransfer processing screen 3500 includes a progress icon 3502 indicatingthe recipient, the amount and type of currency the recipient willreceive, and the progress of the currency transfer. For example, similarto the progress icon 2902, the bar surrounding the circumference of thecircle in the progress icon 2902 may fill clockwise with green as thecurrency transfer progresses. When the currency transfer is finished,the customer is redirected to a transfer confirmation screen 3600,illustrated in FIG. 39. The progress icon 3502 switches to aconfirmation icon 3602 indicating that the currency transfer iscomplete. Additionally, the transfer confirmation screen 3600 includes acurrencies section 3604 confirming the amount and type of currency thatthe recipient has received. In some embodiments, the currencies section3604 also confirms the amount and type of currency that the customerused for the currency transfer. The customer can then press a “Done”button 3606 to exit out of the transfer confirmation screen 3600 and,for example, return to the account screen 1600.

It should be understood, however, that FIGS. 30-33 are intended to beexemplary of user interfaces used for conducting a currency exchange andthat FIGS. 34-39 are intended to be exemplary of user interfaces usedfor conducting a currency transfer. In other embodiments, different userinterfaces may be used, and these different user interfaces may provideadditional and/or different functionalities to the currency exchangeand/or currency transfer processes. For example, user interfaces may bepresented allowing the customer to select multiple types of currency forthe recipient to receive as part of a currency transfer. As anotherexample, the user may be able to select the equivalent total amount fora currency transfer using user interface components other than sliders,such as buttons for increasing or decreasing an amount of each currencyto be used for the transfer or a textbox allowing the customer tomanually input amounts of each currency.

Referring now to FIGS. 40-44, graphical user interfaces showing addcontract screens for the customer's mobile wallet are shown, accordingto example embodiments. For example, the customer may be shown the addcontact screens by selecting the add contact icon 3104 on the recipientselection screen 3100. Accordingly, the add contact screens may be usedto add a new contact to serve as a recipient for a currency transfer.FIG. 40 illustrates a contact input screen 3700, which includes variousinput fields 3702 that the customer can use to input information, usinga keyboard 3704, about the individual that the customer would like toadd as a contact. For example, as shown in FIG. 40, the input fields3702 may be used to input the new contact's phone number or email and,optionally, first and last name. Additionally, the contact input screen3700 includes an exit button 3706 that the customer may use to leave thecontact input screen 3700 and, for example, return to the recipientselection screen 3100. FIG. 41 illustrates a filled-in contact inputscreen 3800 including the email, first name, and last name for a newcontact that the customer would like to add (e.g., to use as therecipient of a currency transfer).

In some embodiments, the provider computing system 104 is configured touse the input information to find the new contact in a databasemaintained by the provider computing system 104 (e.g., the customeraccounts database 302) or maintained by a partner of the providercomputing system 104, such as the partner provider computing system 106(e.g., the customer accounts database 402). For example, in someembodiments, in response to receiving the contact information via afilled-in contact input screen 3800, the provider computing system 104accesses a global registry mapping recipient account tokens (e.g., phonenumbers, emails) to recipients and their financial institutions. Theprovider computing system 104 then uses the information about the newcontact in the database to make a currency transfer to the new contact.For example, the customer may be shown an error message if the newcontact does not have a mobile wallet with the provider computing system104 such that the new contact cannot be identified in the customeraccounts database 302. The individual may have to separately register amobile wallet with the provider computing system 104 before the customercan add the individual as a new contact. In other embodiments,alternatively or additionally, the provider computing system 104 usesthe input information to communicate with the new contact and receivemore information about the new contact that the provider computingsystem 104 may use in making the currency transfer. For example, theprovider computing system 104 may send a message to the new contactindicating that the customer would like to make a currency transfer tothe new contact and asking for additional information about the newcontact's financial accounts (e.g., account information for therecipient, at which institutions the recipient holds financialaccounts). The provider computing system 104 then uses this additionalinformation to make the currency transfer to the new contact. As anillustration, in the embodiment of FIG. 1, the provider computing system104 may identify the partner provider computing system 106 as the newcontact's account provider such that the provider computing system 104is able to make the currency transfer to the partner provider computingsystem 106, which provides the transferred funds to the new contact.

FIG. 42 illustrates a new contact send money screen 3900. In someembodiments, the customer is redirected to the new contact send moneyscreen 3900 after the provider computing system 104 identifies the newcontact using the information input at screens 3700 and 3800. In otherembodiments, the customer is only able to access the new contact sendmoney screen 3900 after the new contact provides additional informationto the provider computing system 104, as described above. In variousembodiments, as shown in FIG. 42, the new contact send money screen 3900is configured similarly to the send money screen 3200 described abovewith respect to FIG. 35, including the back button 3202, the profile3204, the currency section 3206, the keypad 3208, the memo section 3210,and the send button 3212. As such, once the new contact is successfullyadded as the recipient, the currency transfer process proceeds similarlyto the process described above with respect to FIGS. 35-39. Accordingly,once the customer has selected the currency to send to the new contactrecipient (e.g., a total equivalent amount of loaded currency held inthe customer's mobile wallet), the customer is redirected to a transferprocessing screen 4000 (shown in FIG. 43) configured similarly to thetransfer processing screen 3500 described above, including the progressicon 3502, and a transfer confirmation screen 4100 (shown in FIG. 44)configured similarly to the transfer confirmation screen 3600 describedabove, including the confirmation icon 3602, the currencies section3604, and the done button 3606.

The embodiments described herein have been described with reference todrawings. The drawings illustrate certain details of specificembodiments that implement the systems, methods and programs describedherein. However, describing the embodiments with drawings should not beconstrued as imposing on the disclosure any limitations present in thedrawings.

It should be understood that no claim element herein is to be construedunder the provisions of 35 U.S.C. § 112(f), unless the element isexpressly recited using the phrase “means for.”

As used herein, in various embodiments, the term “circuit” includeshardware structured to execute the functions described herein. In someembodiments, each respective “circuit” includes machine-readable mediafor configuring the hardware to execute the functions described herein.The circuit is embodied as one or more circuitry components including,but not limited to, processing circuitry, network interfaces, peripheraldevices, input devices, output devices, sensors, etc. In someembodiments, a circuit takes the form of one or more analog circuits,electronic circuits (e.g., integrated circuits (IC), discrete circuits,system on a chip (SOCs) circuits, etc.), telecommunication circuits,hybrid circuits, and any other type of “circuit.” In this regard, the“circuit” includes any type of component for accomplishing orfacilitating achievement of the operations described herein. In oneexample, a circuit as described herein includes one or more transistors,logic gates (e.g., NAND, AND, NOR, OR, XOR, NOT, or XNOR), resistors,multiplexers, registers, capacitors, inductors, diodes, wiring, and soon.

In other embodiments, the “circuit” includes one or more processorscommunicably coupled to one or more memories or memory devices. In thisregard, the one or more processors execute instructions stored in thememory or execute instructions otherwise accessible to the one or moreprocessors. In various arrangements, the one or more processors areembodied in various ways and are constructed in a manner sufficient toperform at least the operations described herein. In some embodiments,the one or more processors are shared by multiple circuits (e.g.,circuit A and circuit B comprise or otherwise share the same processorwhich, in some example embodiments, executes instructions stored, orotherwise accessed, via different areas of memory). Additionally, invarious arrangements, a given circuit or components thereof (e.g., theone or more processors) are disposed locally (e.g., as part of a localserver or a local computing system) or remotely (e.g., as part of aremote server such as a cloud-based server). To that end, in certainarrangements, a “circuit” as described herein includes components thatare distributed across one or more locations. Further, in variousarrangements, the functions of one or more circuits discussed above maybe implemented by single circuit (e.g., a processing circuit), or thefunctions of one circuit discussed above may be implemented by multiplecircuits.

As used herein, a processor is implemented as a general-purposeprocessor, an application specific integrated circuit (ASIC), one ormore field programmable gate arrays (FPGAs), a digital signal processor(DSP), a group of processing components, or other suitable electronicprocessing components. Additionally, in some arrangements, a“processor,” as used herein, is implemented as one or more processors.In certain embodiments, the one or more processors are structured toperform or otherwise execute certain operations independent of one ormore co-processors. In other example embodiments, two or more processorsare coupled via a bus to enable independent, parallel, pipelined, ormulti-threaded instruction execution. In some arrangements, the one ormore processors take the form of a single core processor, multi-coreprocessor (e.g., a dual core processor, triple core processor, or quadcore processor), microprocessor, etc. In some embodiments, the one ormore processors are external to the apparatus, for example, the one ormore processors are a remote processor (e.g., a cloud-based processor).Alternatively, or additionally, the one or more processors are internaland/or local to the apparatus. Accordingly, an exemplary system forimplementing the overall system or portions of the embodiments mightinclude general purpose computing computers in the form of computers,including a processing unit, a system memory, and a system bus thatcouples various system components including the system memory to theprocessing unit.

Additionally, as used herein, a memory includes one or more memorydevices including non-transient volatile storage media, non-volatilestorage media, non-transitory storage media (e.g., one or more volatileand/or non-volatile memories), etc. In some embodiments, thenon-volatile media takes the form of ROM, flash memory (e.g., flashmemory such as NAND, 3D NAND, NOR, or 3D NOR), EEPROM, MRAM, magneticstorage, hard discs, optical discs, etc. In some embodiments, thevolatile storage media takes the form of RAM, TRAM, ZRAM, etc.Combinations of the above are also included within the scope ofmachine-readable media. In this regard, machine-executable instructionscomprise, for example, instructions and data which cause a generalpurpose computer, special purpose computer, or special purposeprocessing machines to perform a certain function or group of functions.In various arrangements, each respective memory device is operable tomaintain or otherwise store information relating to the operationsperformed by one or more associated circuits, including processorinstructions and related data (e.g., database components, object codecomponents, or script components), in accordance with the exampleembodiments described herein.

It should be understood that a “network interface,” as used herein,includes any of a cellular transceiver (Code Division Multiple Access(CDMA), Global System for Mobile Communications (GSM), Long-TermEvolution (LTE), etc.), a wireless network transceiver (e.g., 802.11X,ZigBee, or Bluetooth), or a combination thereof (e.g., both a cellulartransceiver and a Bluetooth transceiver). In some arrangements, anetwork interface includes hardware and machine-readable mediasufficient to support communication over multiple channels of datacommunication. Further, in some arrangements, a network interfaceincludes cryptography capabilities to establish a secure or relativelysecure communication session with other devices in communication with adevice that the network interface is provided thereon. Thus, in thesearrangements, personal information about the user of the device,financial data, and other types of data is encrypted and transmitted toprevent or substantially prevent the threat of hacking.

In certain embodiments, an “input/output device” as used herein includeshardware and associated logics configured to enable a party to exchangeinformation with a computing device to which the input/output device isconnected. In various embodiments, an input aspect of an input/outputdevice allows a user to provide information to the computing device andincludes, for example, a touchscreen, a mouse, a keypad, a camera, ascanner, a fingerprint scanner, an eye scanner, a sensor that detectsmovement, a microphone, a joystick, a user input device engageable tothe computing device via a USB, wirelessly, and so on, or any other typeof input device capable of being used with a computing device. Invarious embodiments, an output aspect of an input/output device allows aparty to receive information from the computing device and includes, forexample, a display, a printer, a speaker, illuminating icons, LEDs, anoutput device engageable to the computing device via a USB, wirelessly,and so on, or any other type of output device capable of being used witha computing device.

For the purpose of this disclosure, the term “coupled” means the joiningof two members directly or indirectly to one another. Such joining maybe achieved with the two members or the two members and any additionalintermediate members being integrally formed as a single unitary bodywith one another, or with the two members or the two members and anyadditional intermediate members being attached to one another. Suchjoining may be permanent in nature or may be removable or releasable innature.

Any foregoing references to currency or funds are intended to includefiat currencies, non-fiat currencies (e.g., precious metals), andmath-based currencies (often referred to as cryptocurrencies). Examplesof math-based currencies include Bitcoin, Ether, Litecoin, Dogecoin, andthe like.

It should be noted that although the diagrams herein show a specificorder and composition of method steps, it is understood that in variousembodiments the order of these steps differs from what is depicted. Asan example, two or more steps are performed concurrently or with partialconcurrence. Also, in various embodiments, some method steps that areperformed as discrete steps are combined, steps being performed as acombined step are separated into discrete steps, the sequence of certainprocesses is reversed or otherwise varied, and/or the nature or numberof discrete processes is altered or varied. Furthermore, the order orsequence of any element or apparatus is varied or substituted accordingto alternative embodiments. Accordingly, all such modifications areintended to be included within the scope of the present disclosure asdefined in the appended claims. Such variations will depend on themachine-readable media and hardware systems chosen and on designerchoice. It is understood that all such variations are within the scopeof the disclosure. Likewise, software and web implementations of thepresent disclosure could be accomplished with standard programmingtechniques, with rule-based logic and other logic to accomplish thevarious database searching steps, correlation steps, comparison stepsand decision steps.

The foregoing description of embodiments has been presented for purposesof illustration and description. It is not intended to be exhaustive orto limit the disclosure to the precise form disclosed, and modificationsand variations are possible in light of the above teachings or asacquired from this disclosure. The embodiments were chosen and describedin order to explain the principals of the disclosure and its practicalapplication to enable one skilled in the art to utilize the variousembodiments and with various modifications as are suited to theparticular use contemplated. Other substitutions, modifications, changesand omissions can be made to the design, operating conditions andarrangement of the embodiments without departing from the scope of thepresent disclosure as expressed in the appended claim.

What is claimed is:
 1. A computer-implemented method, comprising:receiving, by a provider computing system associated with an accountsprovider, a customer request via a graphical user interface (GUI) of amobile wallet application displayed on a mobile device associated with acustomer, wherein the customer request comprises predefined fields and arequest for a currency transfer from a mobile wallet held by thecustomer to a recipient; identifying, by the provider computing system,the recipient of the currency transfer from the customer request and apartner account provider associated with the recipient; communicating,by the provider computing system, with the partner account providerregarding the currency transfer; extracting, by the provider computingsystem, transfer information from the customer request based on a smartcontract performing keyword searching and identifying the transferinformation in the predefined fields of the customer request;determining, by the provider computing system, the account provider islocated in a first country and the partner account provider is locatedin a second country; in response to determining the account provider islocated in the first country and the partner account provider is locatedin the second country, automatically determining and locking-in, by theprovider computing system, a lowest exchange rate based on analyzing atleast two exchange rates and selecting the lowest exchange rate, whereinthe locking-in locks the lowest exchange rate for a time limit;transmitting, by the provider computing system, data corresponding tothe lowest exchange rate and the time limit to the GUI of the mobilewallet application displayed on the mobile device; exchanging, by theprovider computing system, an amount of a first type of currency for anamount of a second type of currency based on the lowest exchange rate,wherein the first currency amount comprises funds of the mobile walletand the currency transfer amount includes the second currency amount;transferring, by the provider computing system and utilizing theextracted transfer information, an amount for the currency transfer fromthe mobile wallet to the partner account provider via an omnibus accountheld by the accounts provider based on executing a smart contract on adistributed ledger, wherein the distributed ledger is shared between theaccount provider and the partner account provider; and transmitting, bythe provider computing system, a confirmation of the currency transferto the GUI of the mobile wallet application displayed on the mobiledevice.
 2. The method of claim 1, wherein transferring the amount forthe currency transfer to the partner account provider comprises:debiting, by the provider computing system, the currency transfer amountfrom the mobile wallet; debiting, by the provider computing system, thecurrency transfer amount from the omnibus account on the distributedledger; and receiving, by the provider computing system, a confirmationof the currency transfer from a notary.
 3. The method of claim 2,further comprising: transferring, by the provider computing system, anamount of funds to an issuer for the distributed ledger; and receiving,by the provider computing system, a credit in the amount of thetransferred funds in the omnibus account from the issuer.
 4. The methodof claim 1, wherein receiving the customer request via the mobile walletapplication comprises: identifying, by the provider computing system, aSociety for Worldwide Interbank Financial Telecommunication (“SWIFT”)message generated from the customer request; and intercepting, by theprovider computing system, the SWIFT message before the SWIFT message issent to a SWIFT network.
 5. The method of claim 1, wherein the customerrequest further comprises a request for a currency exchange.
 6. Themethod of claim 5, wherein the method further comprises exchanging anamount of a third type of currency for an additional amount of thesecond type of currency, wherein the currency transfer amount furtherincludes the additional second currency amount.
 7. The method of claim5, wherein the mobile wallet is linked with one or more paymentaccounts, each payment account associated with a different type ofcurrency; and wherein the method further comprises: determining, by theprovider computing system, that the mobile wallet is not linked with apayment account that is associated with the second type of currency; andcreating, by the provider computing system, a new payment accountassociated with the second type of currency; wherein exchanging theamount of the first type of currency for the amount of the second typeof currency comprises debiting the amount of the first type of currencyfrom a payment account associated with the first type of currency andcrediting the amount of the second type of currency to the new paymentaccount associated with the second type of currency.
 8. The method ofclaim 1, wherein the mobile wallet application comprises a presentationof a graphical symbol of a flag of the second country associated withthe recipient.
 9. The method of claim 1, wherein the execution of thesmart contract on the distributed ledger comprises utilizing therecipient and the amount for the currency transfer as input toautomatically execute the transfer.
 10. A provider computing systemassociated with an account provider, comprising: a network interface; acustomer accounts database storing information related to variouscustomers of the accounts provider; and a processing circuit comprisinga processor and a memory, the memory structured to store instructionsthat are executable and cause the processor to: receive a customerrequest via a graphical user interface (GUI) of a mobile walletapplication displayed on a mobile device associated with a customer,wherein the customer request comprises predefined fields and a requestfor a currency transfer from a mobile wallet held by the customer to arecipient; identify the recipient of the currency transfer from thecustomer request and a partner account provider associated with therecipient; communicate with the partner account provider regarding thecurrency transfer; extract transfer information from the customerrequest based on a smart contract performing keyword searching andidentifying the transfer information in the predefined fields of thecustomer request; determine the account provider is located in a firstcountry and the partner account provider is located in a second country;in response to determining the account provider is located in the firstcountry and the partner account provider is located in the secondcountry, automatically determine and lock-in a lowest exchange ratebased on analyzing at least two exchange rates and selecting the lowestexchange rate, wherein the lock-in locks the lowest exchange rate for atime limit; transmitting data corresponding to the lowest exchange rateand the time limit to the GUI of the mobile wallet application displayedon the mobile device; exchange an amount of a first type of currency foran amount of a second type of currency based on the lowest exchangerate, wherein the first currency amount comprises funds of the mobilewallet and the currency transfer amount includes the second currencyamount; transfer, utilizing the extracted transfer information, anamount for the currency transfer from the mobile wallet to the partneraccount provider via an omnibus account held by the accounts providerbased on executing a smart contract on a distributed ledger, wherein thedistributed ledger is shared between the account provider and thepartner account provider; and transmit a confirmation of the currencytransfer to the GUI of the mobile wallet application displayed on themobile.
 11. The provider computing system of claim 10, wherein theinstructions cause the processor to transfer the amount for the currencytransfer to the partner account provider by: debiting the currencytransfer amount from the mobile wallet; debiting the currency transferamount from the omnibus account on the distributed ledger; and receivinga confirmation of the currency transfer from a notary.
 12. The providercomputing system of claim 11, wherein the instructions further cause theprocessor to: transfer an amount of funds to an issuer for thedistributed ledger; and receive a credit in the amount of thetransferred funds in the omnibus account from the issuer.
 13. Theprovider computing system of claim 10, wherein the instructions causethe processor to receive the customer request via the mobile walletapplication by: identifying a Society for Worldwide Interbank FinancialTelecommunication (“SWIFT”) message generated from the customer request;and intercepting the SWIFT message before the SWIFT message is sent to aSWIFT network.
 14. The provider computing system of claim 10, whereinthe customer request further comprises a request for a currencyexchange.
 15. The provider computing system of claim 14, wherein theinstructions further cause the processor to exchange an amount of athird type of currency for an additional amount of the second type ofcurrency, wherein the currency transfer amount further includes theadditional second currency amount.
 16. The provider computing system ofclaim 14, wherein the mobile wallet is linked with one or more paymentaccounts, each payment account associated with a type of currency; andwherein the instructions further cause the processor to: determine thatthe mobile wallet is not linked with a payment account that isassociated with the second type of currency; and create a new paymentaccount associated with the second type of currency; wherein theinstructions cause the processor to exchange the amount of the firsttype of currency for the amount of the second type of currency bydebiting the amount of the first type of currency from a payment accountassociated with the first currency and crediting the amount of thesecond type of currency to the new payment account associated with thesecond type of currency.
 17. The provider computing system of claim 10,wherein the mobile wallet application comprises a presentation of agraphical symbol of a flag of the second country associated with therecipient.
 18. The provider computing system of claim 10, wherein thethe execution of the smart contract on the distributed ledger comprisesutilizing the recipient and the amount for the currency transfer asinput to automatically execute the transfer.
 19. One or morenon-transitory computer-readable storage media having instructionsstored thereon that, when executed by at least one processing circuit,cause the at least one processing circuit to: receive a customer requestvia a graphical user interface (GUI) of a mobile wallet applicationdisplayed on a mobile device associated with a customer, wherein thecustomer request comprises predefined fields and a request for acurrency exchange and a currency transfer from a mobile wallet held bythe customer to a recipient; identify the recipient of the currencytransfer from the customer request and a partner account providerassociated with the recipient; communicate with the partner accountprovider regarding the currency transfer; extract transfer informationfrom the customer request based on a smart contract performing keywordsearching and identifying the transfer information in the predefinedfields of the customer request; determine the account provider islocated in a first country and the partner account provider is locatedin a second country; in response to determining the account provider islocated in the first country and the partner account provider is locatedin the second country, automatically determine and lock-in a lowestexchange rate based on analyzing at least two exchange rates andselecting the lowest exchange rate, wherein the lock-in locks the lowestexchange rate for a time limit; exchange an amount of a first type ofcurrency for an amount of a second type of currency based on the lowestexchange rate, wherein the first currency amount comprises funds of themobile wallet and the currency transfer amount includes the secondcurrency amount; transmit data corresponding to the lowest exchange rateand the time limit to the GUI of the mobile wallet application displayedon the mobile device; transfer, utilizing the extracted transferinformation, an amount for the currency transfer from the mobile walletto the partner account provider via an omnibus account held by theaccounts provider based on executing a smart contract on a distributedledger, wherein the distributed ledger is shared between the accountprovider and the partner account provider; and transmit a confirmationof the currency transfer to the GUI of the mobile wallet applicationdisplayed on the mobile device.
 20. The one or more non-transitorycomputer-readable storage media of claim 19, having additionalinstructions stored thereon that, when executed by at least oneprocessing circuit, further cause the at least one processing circuitto: debit the currency transfer amount from the mobile wallet; debit thecurrency transfer amount from the omnibus account on the distributedledger; and receive a confirmation of the currency transfer from anotary.